| Effective Date:
August 1, 2014
|
| LOAN TYPE |
APR* |
| NEW
AUTO RATES |
| 24 months - 48 months |
STARTING AT 1.99%
|
| 60 - 72 months |
STARTING AT 1.99%
|
| |
USED
AUTO RATES
(N.A.D.A values are used) |
1 yr. old
36-60 months
|
STARTING AT 1.99%
90% of retail
over 15,000 miles
|
2 yrs. old
36-54 months
|
STARTING AT 2.25%
90% of retail
|
3 yrs. old
36-48 months
|
STARTING AT 2.50%
85% of retail
|
4 - 6 yrs. old
48 months
|
STARTING AT 2.75%
80% of retail
|
7 yrs. & older
36 months
|
STARTING AT 2.99%
75% of retail
|
| |
| CREDIT
CARD |
| VISA Platinum |
8.99%
|
| VISA Classic |
12.99%
|
| |
| ALL
OTHER LOAN RATES |
A Credit Score 725+
Maximum $10,000
depending on debts &
income - max terms 36 months |
5.75%
|
B Credit Score 724-700
Maximum $10,000
depends on debts &
income - max terms 36 months |
6.75%
|
C Credit Score 699-675
Maximum $10,000
depends on debts &
income - max terms 36 months |
7.75%
|
D
Credit Score below 674
Credit Rebuilder Loan
Maximum $3,500
Max terms 18 months
|
8.75% to 18.00%
|
| Pay Day Loans |
18.00%
|
FULLY-Share (savings) Secured
(Terms
vary share balance maximum) |
2.25%
|
| Certificate Secured |
2.50% above certificate rate
terms vary
certificate balance maximum
|
Motorcycle, Boat, Camper
or Jet Ski
NEW |
1.50% above new car rates
90% financing
maximum 60 months
|
Motorcycle, Boat, Camper
or Jet Ski
USED |
1.75% used car rates
75% of sale price
N.A.D.A. values used
|
*APR =
Annual Percentage Rate
Late fee-$10 or 5% of default amount (not less than $5), whichever is less, if more than 10 days late.
|
