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UNDERSTANDING LOANS
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APPLY FOR A LOANPersonal Loan Rates
| Name | Term (in months) | APR | Loan Amounts | Year |
|---|---|---|---|---|
| Personal Unsecured | Up to 48 Mos | As Low As 9.99% | Minimum $500 Maximum $15,000 | |
| Computer Loan**** | Up to 24 Mos | As Low As 8.49% | Maximum $3,000 | |
| Shared Secured 100% of Shares | Up to 120 Mos | 3% over share rate | Minimum N/A Maximum N/A | |
| Overdraft LOC****** N/A | Revolving | 15.00% | Maximum $500 | |
| RV's & Boats 80% | Up to 120 Mos | As Low As 7.50% | Minimum $10,000 Maximum $100,000 |
APR - Annual Percentage Rate
* Actual APR based on credit history and term
** PRIME RATE IS CURRENTLY AT 4.00%
***** Purchase Agreement/Sales Slip Required
****** Unsecured lines of credit are reviewed on an Annual Basis
Rates are subject to change without notice
Personal Line of Credit Rates
| Name | Term (in months) | APR | Loan Amounts | Year |
|---|---|---|---|---|
| Personal Line of Credit Gold***** | Revolving | 10.50% | Minimum $5,000 Maximum $15,000 |
APR - Annual Percentage Rate
*** Green Lines of Credit have a minimum rate of 12.50% and a maximum rate of 18.00%
Rates are subject to change without notice
Mortgage Rates
| Name | Term (in months) | Rate | APR | Loan Amounts | Year |
|---|---|---|---|---|---|
| Mortgages | Up to 30 years | Call | Call | Fixed |
APR - Annual Percentage Rate
* Actual APR based on credit history and term
Rates are subject to changed without notice.
Home Equity Rates
| Name | Term (in months) | APR | Loan Amounts |
|---|---|---|---|
| Home Equity Line 80% | Maximum draw 10 years; repay term 5 years | Prime** | Minimum $10,000 Maximum $300,000 |
| Home Equity Loan 80% (fixed/second mtg) | Up to 180 Mos | As Low As 5.49% | Minimum $10,000 Maximum $300,000 |
APR - Annual Percentage Rate
* Actual APR based on credit history and term
**PRIME RATE IS CURRENTLY AT 4.00%
Rates are subject to change without notice.
Vehicle Loan Rates
| Name | Term (in months) | APR | Loan Amounts | Year |
|---|---|---|---|---|
| Vehicle New*** Finance up to 120% of the Value of the vehicle | Up to 60 Mos | As Low As 2.99% | Maximum $100,000 | 2020-2022 |
| Vehicle New*** Finance up to 120% of the Value of the vehicle | Up to 61-84 Mos*** | As Low As 3.99% | Maximum $100,000 | 2020-2022 |
| Vehicle Used*** Finance up to 120% of the Value of the vehicle | Up to 60 Mos | As Low As 4.49% | Maximum $75,000 | 2015-2019 |
| Vehicle Used*** Finance up to 120% of the Value of the vehicle | Up to 48 Mos | As Low As 5.29%* | Maximum $50,000 | 2005-2014 |
| Classic Cars | Up to 36 Mos | Call | Maximum $50,000 | N/A |
| Motorcycle New*** 100% | Up to 72 Mos | As Low As 4.99%* | Maximum $50,000 | N/A |
| Motorcycle Used*** 90% | Up to 60 Mos | As Low As 5.99%* | Maximum $50,000 | 2017-2021 |
| Motorcycle Used*** 80% | Up to 36 Mos | As Low As 6.99%* | Maximum $50,000 | 2006-2016 |
| RV's & Boats 100% | Up to 120 Mos | As Low As 7.50%* | Minimum $10,000 Maximum $100,000 | N/A |
APR - Annual Percentage Rate
* Actual APR based on credit history and term
** Prime rate is currently at 4.00%
***New Vehicles (current year) must have less than 6,000 miles, greater than 6,000 will be considered used
**** for 84 Months loan amount must be greater than $50,000
Auto Loans financed for over 100% of the value of the vehicle MUST have GAP insurance
Rates are Subject to change without notice
MasterCard Credit Card Rates
| Name | Term (in months) | APR | Loan Amounts | Year |
|---|---|---|---|---|
| MasterCard | Revolving | 9.90% | Maximum $15,000 |
APR - Annual Percentage Rate
* Actual APR based on credit history and term
Rates are subject to change without notice
