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Current Loan Rates

Rates Effective: August 1, 2008 

New Auto Loans (New and Current Year Models)
Used Auto Loans (2001-2007)
Boat and RV Loans
Motorcycle, Snowmobile, and PWC Loans
Personal Loans
Overdraft Protection Line of Credit
Home Equity Lines of Credit
Home Equity Fixed Term Loans

New Auto Loans (New and Current Year Models)

Term Months  Rate without Auto Payment  *APR without Auto Payment  Rate with Auto Payment  *APR with Auto Payment 
24  6.50%  7.226%  6.25%  6.977% 
36  6.75%  7.249%  6.50%  7.000% 
48  7.00%  7.384%  6.75%  7.133% 
60  7.25%  7.563%  7.00%  7.313% 
72  7.38%  7.646%  7.13%  7.396% 

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Used Auto Loans (2001-2007)

Term Months  Rate without Auto Payment  *APR without Auto Payment  Rate with Auto Payment  *APR with Auto Payment 
24  7.25%  7.977%  7.00%  7.727% 
36  7.50%  8.001%  7.25%  7.750% 
48  8.00%  8.387%  7.75%  8.136% 
60  8.24%  8.557%  7.99%  8.306% 

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Boat and RV Loans

Term Months  Rate without Auto Payment  *APR without Auto Payment  Rate with Auto Payment  *APR with Auto Payment 
48  7.50%  7.885%  7.25%  7.635% 
60  7.75%  8.066%  7.50%  7.815% 
84  8.50%  8.737%  8.25%  8.485% 
120  8.75%  8.927%  8.50%  8.674% 

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Motorcycle, Snowmobile, and PWC Loans

Term Months  Rate without Auto Payment  *APR without Auto Payment  Rate with Auto Payment  *APR with Auto Payment 
24  7.50%  8.227%  7.25%  7.997% 
36  8.00%  8.501%  7.75%  8.268% 
48  8.24%  8.626%  7.99%  8.388% 
60  8.50%  8.818%  8.25%  8.576% 

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Personal Loans

Term Months  Rate without Auto Payment  *APR without Auto Payment  Rate with Auto Payment  *APR with Auto Payment 
12  12.75%  14.134%  12.50%  13.883% 
24  15.25%  15.989%  15.00%  15.738% 

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Overdraft Protection Line of Credit

Term Months  *APR 
Revolving  18.00% 

*ANNUAL PERCENTAGE RATES (APR) based on a $10,000 loan amount. All loans subject to credit approval.

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Home Equity Lines of Credit

Credit Line  Margin  *APR 
Loans up to 75% of the Value of Home 
$5,000 - $24,999  WSJ Prime + .50%  5.50% 
$25,000 - $49,999  WSJ Prime + .00%  5.00% 
$50,000 - $99,999  WSJ Prime + .00%  5.00% 
$100,000 +  WSJ Prime + .00%  5.00% 

*ANNUAL PERCENTAGE RATE (APR) is based upon the Wall Street Journal Prime Rate. Information about this index is available in the Wall Street Journal. Rates are subject to change at any time. The Index as of 07/28/08 was 5.00%. An Interest Rate Floor of 5.00% and an Interest Rate Ceiling of 18% will apply to all home equity lines of credit. Minimum monthly payment during draw period is equal to accrued finance charges. Refer to application disclosure for further loan details and payment examples. Subject to credit approval. An appraisal may be required in some cases. Appraisal fees will range from $250 to $325.

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Home Equity Fixed Term Loans
Terms Available: 120 months to 180 months

Term  Interest Rate as low as  *APR as low as 
Loans up to 75% of the Value of Home 
$10,000 - $24,999  8.125%  8.458% 
$25,000 - $49,999  7.625%  7.954% 
$50,000 - $99,999  7.250%  7.575% 
$100,000 +  7.000%  7.322% 

*ANNUAL PERCENTAGE RATE (APR) is based on a $10,000 loan. Loans are subject to credit approval. Refer to application disclosures for further program details.

 
 
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