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~INTEREST RATES, DISCOUNTS, AND GAP WAIVER COVERAGE COST MAY VARY FOR LOANS CLOSED AT DEALERS.~

   (Rates are subject to change) Effective September 10, 2014

Vehicle Loans may be reduced by .25% with Direct Deposit as payment method.

TERMS OFFERED ARE BASED ON INFORMATION FROM A CONSUMER CREDIT REPORT AND YEAR OF VEHICLE.  PLEASE CHECK WITH LOAN OFFICER TO SEE IF COMPETITOR VEHICLE RATES CAN BE MATCHED. 
YOUR RATE MAY BE AS LOW AS THE FOLLOWING:
 

Loans Rate APR* Term  

New  and Used Vehicle Loans 

1.490 1.490 Up to 24  months Calculator

New  and Used Vehicle Loans 

1.740 1.740 25 - 36  months  Calculator

New  and Used Vehicle Loans

1.990 1.990 37 - 48  months Calculator

New  and Used Vehicle Loans

2.490 2.490 49 -60  months Calculator

New  and Used Vehicle Loans

2.990 2.990 67 - 72  months Calculator

New  and Used Vehicle Loans

3.740 3.740 73 - 84 months Calculator
Motorcycles, ATVs, Boats & RVs 1.490 1.490 up to 24months Calculator

Motorcycles, ATVs, Boats & RVs

1.740

1.740 25 -36 months Calculator
Motorcycles, ATVs, Boats & RVs 1.990 1.990 37 - 48 months Calculator
Motorcycles, ATV, Boats & RVs 2.490 2.490 49 - 60 months  Calculator

Boats & RVs

2.740 2.740 61 - 66 months  Calculator
Boats & RVs 2.990 2.990 67 - 72 months Calculator
Boats & RVs 3.740 3.740  73 - 84 months Calculator
First Morgages, 80% LTV, (10 year, 15 year, 20 year, and 30 year)  Call for Current Rate       Calculator
Home Equity Line of Credit (revolving)*** (Wall Street Journal Prime plus 0%, floor 3.50%, ceiling 18% ) 80%LTV 3.500 3.500 180 Calculator

 

       

Second Mortgage 80% LTV   Call for Current Rate

 

5.250 5.250 84 Calculator
Second Mortgage 80% LTV   Call for Current Rate 5.250 5.250 120

Calculator

Second Mortgage 80% LTV   Call for Current Rate 5.500 5.500 180

Calculator

 

Share Secured                                                                          4% above share rate

    Term Varies  
         
         
Personal Signature Loan 8.90 8.90 12 Calculator
Personal Signature Loan   8.90 8.90 24 Calculator
Personal Signature Loan  8.90 8.90 36 Calculator
Personal Signature Loan 8.90 8.90 48 Calculator
Personal Signature Loan 8.90  8.90  60 Calculator
Revolving Credit Lines   (15% & 18%) 15.000 15.000 36 Calculator
Visa Classic Credit Card (12.9%, 14.9% & 18.0%)  12.900 12.900 n/a  
Visa Gold Credit Card 10.900 10.900 n/a  
Visa Platinum Credit Card 8.900 8.900 n/a  

 

*APR = Annual Percentage Rate
**Term of loan may be shorter, based on year of vehicle.
***3.50% floor, 18.00% ceiling. Monthly payment is 2% of the outstanding balance.

WALL STREET JOURNAL PRIME LENDING RATE - 3.25%. (Effective 12/17/08)


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SHARE DIVIDEND RATES
EFFECTIVE March 1, 2013  

 

Savings Dividend Code Rate APY* Term
Regular Savings (Min. $50) 2-A 0.05 0.05 n/a
Contributory IRA (Min. $1) 2-A 0.25 0.25 18
Santa Savings (Min. $1) 2-A 0.05 0.05 n/a
Checking (Min. $50) 1 0.05 0.05 n/a
Preferred Checking ($2500.00 - $19,999.99) 1 0.05 0.05 n/a
Preferred Checking ($20,000.00 and higher) 1 0.10 0.10

n/a

Money Market ($2,500.00 - $24,999.99) 1 0.05 0.05 n/a
Money Market ($25,000 - $59,999.99) 1 0.10 0.10 n/a
Money Market ($60,000 and higher) 1 0.15 0.15

n/a

Reward Checking ($10,000.00 and lower) 1 0.50 0.50 n/a
Reward Checking ($10,000.01 and higher) 1 0.10 0.10 n/a
Reward Checking (Non-Qualifying) 1 0.05 0.05 n/a

 

*APY = Annual Percentage Yield

DIVIDEND CODE EXPLANATION
1. Dividends computed on average daily balance -paid monthly.
2-A. Anticipated dividends computed on average daily balance- paid quarterly.

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Certificates Dividend Code Rate APY* Term(Months)
Certificate (Min. $500) 3 0.15 0.15 3
Certificate (Min. $500) 4 0.15 0.15 3
Certificate (Min. $500) 3 0.25 0.25 6
Certificate (Min. $500) 4 0.25 0.25 6

Certificate/IRA (Min. $500)

5 0.35 0.35 12
Certificate/IRA (Min. $500) 5 0.45 0.45 18
Certificate/IRA (Min. $500) 5 0.60

0.60

24
Certificate/IRA (Min. $500) 5 0.75 0.75 30
Certificate/IRA (Min. $500) 5 0.90 .90 36
Certificate/IRA (Min. $500) 5 1.00 1.00 42
Certificate/IRA (Min. $500) 5 1.10 1.10 48
Certificate/IRA (Min. $500) 5 1.20 1.21 54
Certificate/IRA (Min. $500) 5 1.30 1.31 60
Contributory IRA (Min. $500) 5 0.50 0.60 18

 

*APY = Annual Percentage Yield
After the Certificate is opened, the dividend rate is fixed for the term.
A penalty is imposed for early withdrawal.

DIVIDEND CODE EXPLANATION

1. Dividends computed on average daily balance - paid monthly.
3. Dividends paid at maturity- deposited or mailed.
4. Dividends paid monthly - deposited or mailed.
5. Dividends paid quarterly- deposited, mailed, or compounded.
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