Loan Rates

Addendum Date: September 1, 2018

 

Share Secured**

2.00%* above share rate


Certificate**

2.00%* above CD rate


New Auto Loan

2.50% up to 60 months
2.99% up to 72 months
4.25% up to 84 months


Based on Beacon Score Matrix

95% financing of NADA value (Above 95% GAP is required)


Used Auto Loan

2.50% up to 36 months
2.50% up to 48 months
2.50% up to 60 months
2.99% up to 72 months


Based on Beacon Score Matrix

95% financing of NADA value **terms vary with age, price and condition


Recreational Vehicles or Farm Equipment**

5.00%* New/never titled 90% of selling price 6.25%* Used 95% of NADA value


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**

5.75%* New/never titled 80% financing
6.25%* Used 80% (NADA value)


Signature Loan**

Maximum amount $15,000 at 7.50%*

(terms varies with loan amount and credit score. Existing Loans must add 1500.00 to current loan to receive new current rate)


First Time Loan**

12/12/12 - $1200 at 12%* for 12 months


Any Time Loan

12 month financing
maximum amount $2,500 at 6.50%*


Fixed Rate Mortgages (1ST &2ND)**

3.50%* 7 years of less
3.75%* 10 years
3.45% 15 years
3.75%* 20 years
5.25%* 30 years

*90% of appraisal or full selling price *based on lowest amount

*70% of appraisal or selling price on Doublewides with land *based on lowest amt. Maximum term 15 years varies with year model etc


Home Equity Loans**

5.00%* fixed 7 year draw/10 year repay


Land**

5.50%* up to 15 years , 70% of appraisal or 70%* of selling price

(based on lowest amount)


New Mobile Homes/Used Mobile Homes**

Single Wide Trailer with Land**

New 8.50% with land
Used 9.50% with land
Overdraft Protection 7.50%


VISA/Classic** 9.25%*

No annual fee, 25 grace period on purchase.


NEW VISA Credit Card

1st Time Borrower 12.00%*


* 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.