Rates effective July 1st 2014
| Loan Type |
Annual Percentage Rate |
| 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.
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