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General
Loan Information
Whatever
your financial needs, we have the answer for you. Our
low competitive rates make your payments affordable.
Repayment of your loan can be set up weekly, bi-weekly
or monthly by utilizing payroll deduction. Check with
your employer first to see if it is offered through
your payroll department.
Rates
as of
April 1, 2008. |
Rates
subject to change without Notice. |
New
Auto Rates
Model Year 2007, 2008 & 2009* |
|
| *New
vehicles are defined as not previously registered
and/or under 7,000 miles. |
| 36
Months |
As
low as |
5.65% |
| 48
Months |
As
low as |
5.90% |
| 60
Months |
As
low as |
6.15% |
| 72
Months |
As
low as |
6.65% |
| 84
Months |
As
low as |
7.65% |
Used
Auto Rates
Model Year 2004 - 2007* |
|
| *Used
vehicles are defined as pre-owned AND less than
70,000 miles. |
| 36
Months |
As
low as |
6.15% |
| 48
Months |
As
low as |
6.40% |
| 60
Months |
As
low as |
6.65% |
| 72
Months |
As
low as |
7.15% |
Other
Used Auto
Model Year 2001 - 2003* |
|
| *Other
used vehicles are defined as pre-owned, more than
7 model years older than current year model, OR
mileage exceeding 70,000. |
| 36
Months |
As
low as |
7.15% |
| 48
Months |
As
low as |
7.40% |
| 60
Months |
As
low as |
7.65% |
| New
& Used RV/ Boat/ Watercraft / Motorcycle /Trailer
/Misc. Pricing |
|
| |
| 36
Months |
As
low as |
6.25% |
| 48
Months |
As
low as |
6.49% |
| 60
Months |
As
low as |
6.75% |
| 72
Months |
As
low as |
7.25% |
| 84
Months |
As
low as |
8.25% |
| Please
note that members may earn additional rate discounts: |
| 1)
Electing Direct Deposit and/or Auto Pay .25% |
| 2)
Electing Payment Protection with Credit Disability
Insurance .25% |
| 3)
Each down payment of 10% discounts .10% up to .50% |
| Rates
are for qualified borrowers dependent upon credit
score. |
| Other
restrictions may apply. See a loan officer for details.
|
| - |
85%
|
Amortization |
| 1st
Mortgage |
--- |
| |
|
3
Year Balloon
|
4.75%
- APR |
30 Years |
|
5
Year Balloon
|
5.25%
- APR |
30 Years |
|
7 Year Balloon
|
5.75%
- APR |
30 Years |
|
10
Year Balloon
|
5.75%
- APR |
30 Years |
| 20
Year Balloon |
5.99%
- APR |
30 Years |
| - |
- |
- |
- |
| 2nd
Mortgage |
--- |
| |
|
3
Year Balloon
|
7.99%
- APR |
15
Years |
| - |
- |
- |
- |
| Home
Equity Line Of Credit |
--- |
| |
| Variable
Rate / With 5 Year Draw Period |
6.95%
- APR |
15
Yr from last draw |
| |
|
|
|
| Real
Estate Loans are not subject to discounts. 85% is LTV. |
New
Fixed-Rate Mortgage Program. Click graphic above to
learn more.
| >
12 Months |
As
low as |
8.95% |
Minimum
loan $500 |
| 24
Months |
As
low as |
8.95% |
Minimum
loan $2,000 |
| 36
Months |
As
low as |
9.50% |
Minimum loan $5,000 |
| 48
Months |
As
low as |
10.25% |
Minimum
loan $7,500 |
| 60
Months |
As
low as |
10.50% |
Minimum
loan $10,000 |
| Share
and CD Secured - no credit report required |
|
Regular
Share Secured
|
CD
Secured
|
| 3% above current share savings rate, 90% LTV |
2% above current pledged certificate rate, 90% LTV |
VISA
Credit Cards
To
report a lost or stolen Visa, contact 1-800-325-3678.
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