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Current Loan Rates

Rates Effective: December 1, 2011 

2010 - 2011 Auto and Motorcycle
Auto and Motorcycle (2009 and Older)
Boats and Recreational Vehicles
Personal Loans
CD Secured Loans
Overdraft Protection Line of Credit
Home Equity Lines of Credit
Home Equity Fixed Rate Term Loans

2010 - 2011 Auto and Motorcycle

Term Months  Rate   *APR  
Up to 72 months  5.99%  6.25% 

*ANNUAL PERCENTAGE RATE (APR) is based in a $10,000 loan amount and a $75 loan processing fee.

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Auto and Motorcycle (2009 and Older)

Term Months  Rate  *APR  
Up to 60 months  6.99%  7.31% 

*ANNUAL PERCENTAGE RATE (APR) is based in a $10,000 loan amount and a $75 loan processing fee

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Boats and Recreational Vehicles

Term Months  Rate  *APR 
Up to 60 months  7.99%  8.32% 

*ANNUAL PERCENTAGE RATE (APR) is based in a $10,000 loan amount and a $75 loan processing fee

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Personal Loans

Term Months  Rate   *APR 
Up to 12 months  12.50%  15.33% 
Up to 24 months  15.00%  17.84% 

*ANNUAL PERCENTAGE RATE (APR) is based in a $5,000 loan amount and a $75 loan processing fee

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CD Secured Loans

Term Months  Rate  *APR 
Up to 60 months  3.00% over CD Rate Fixed (5.00% Floor)  5.39% 

*ANNUAL PERCENTAGE RATE (APR) is based on a $10,000 loan amount, 5.00% interest rate, 48 month term, and $75 loan processing fee. Loan terms are not to exceed CD maturity.

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Overdraft Protection Line of Credit

Term Months  Rate  *APR 
Revolving  18.00%  18.00% 

*ANNUAL PERCENTAGE RATES (APR) based on a $5,000 loan amount, $0 Loan Processing Fees.

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Home Equity Lines of Credit

Credit Line  Margin  *APR 
$5,000 - $250,000  WSJ Prime + .00%  5.00% 

*Annual Percentage Rate (APR) is based upon the Wall Street Journal Prime Rate. Information about the Wall Street Journal Prime Rate is available in the WALL STREET JOURNAL. The Wall Street Journal Prime Rate as of 11/28/2011 is currently 3.25%. Rates are subject to change at any time. An Interest Rate Floor of 5.00% and an Interest Rate Ceiling of 18.00% will apply to all Home Equity Credit Lines. Minimum payment is the amount of accrued interest during statement cycle. Refer to application disclosures for further loan details and payment examples. Third party fees will range from $231.00 to $1,485.00. A $50 Annual Fee applies to all Home Equity Lines of Credit. This fee is waived the first year. Eligible properties must be owner occupied. Maximum Term: 60 months. Maximum Loan to Value: 75%

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Home Equity Fixed Rate Term Loans

Term  Rate  *APR  
Loans up to 75% of the Value of Home 
$10,000 - $24,999  7.50%  8.347 

*Annual Percentage Rate (APR) is based on a $10,000 loan. Refer to application disclosures for further program details. $200 Loan Processing fee applies to all Home Equity Fixed Rate Loans. Third party fees will range from $231.00 to $1,485.00. Eligible properties must be owner occupied. Maximum Term: 60 months. Maximum Amortization: 180 months. Maximum Loan to Value: 75%

 
 
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