Share Secured**
2.00%* above share rate
Certificate**
2.00%* above CD rate
New and Used Vehicles**
Limited Time SPECIAL RATES
2.50% up to 36 months
3.00% up to 48 months
3.49%* up to 60 months
3.99%* up to 72 months
4.49%* up to 84 months ($25,000.00 +)
Based on Beacon Score Matrix
95% financing of NADA value
(*110% financing with GAP Insurance)
**terms vary with age, price and condition
Recreational Vehicles or Farm Equipment**
6.25%* New/never titled 90% of selling price
6.25%*** Used 95% of NADA value
Travel Trailers up to 7 years*
Motor Homes/Travel Trailers 10 years* over $25,000
**terms vary with age,price and condition
Boats**
6.25%* New 5 year financing 90% selling price
6.25%* New 7 year financing 90% selling price
6.25%* Used 95% of NADA value
Motorcycles**
6.25%* New/never titled 80% financing
6.25%* Used 80% (NADA value)
Signature Loan**
maximum amount $15,000 at 8.99%* - terms varies with loan amount
First Time Loan**
12/12/12 - $1200 at 12%* for 12 months
Any Time Loan** (SPECIAL RATE)
12 month financing
maximum amount $2,500 at 3.99%*
Fixed Rate Mortgages (ST & ND)**
4.50%* 7 years of less - SPECIAL RATE
5.80%* 10 to 15 years
6.55%* 20 years
7.50%* 30 years
(10-30 year mortgages NOT available at this time).
Home Equity Loans**
5.00*% fixed 7 yr draw/ 7 yr repay
Land**
6.55%* 20 year financing, 90% of appraisal or
90% of selling price (based on lowest amount)
New Mobile Homes/Used Mobile Homes**
Single Wide Mobile Homes without Land** (Does not include double wides)
9.25%* New 11.25%* Used
Single Wide Trailer with Land**
7 year 8.50%* New 9.5%* Used
10 year 10.00%* New 11.00%* Used
15 year 10.50%* New 11.50%* Used
Overdraft Protection 10.99%
VISA/Classic** 9.25%*
No annual fee, 25 grace period on purchase.
* Annual percentage rates subject to change without notice. Rates may be lower or higher based on your beacon score.
** Effective October 3, 2011 a late fee (4% of loan payment) will be assessed on loans 30 days after the due date. Includes deed loans processed after January 1, 2008. Visa Charge Card's late fee will be assessed after 15 days after the due date.
**Free Loan Life Insurance pm loans obtained before age 70 will cover the loans up to age 75. Max loan coverage on all loans combined is $30,000.00. (Includes VISA Charge Cards)