|
Rewards Based Lending Rates as of 04/01/2009
| |
Credit Score |
Paper Grade |
Gross Rate |
With Electronic
Funds transfer*
Discount |
With OnLine**
Discount |
With All
Discounts |
| |
730> |
A+ |
5.75 |
5.25 |
5.50 |
5.00 |
| |
680 -729 |
A |
6.35 |
5.85 |
6.10 |
5.60 |
| |
640 - 679 |
B |
7.20 |
6.70 |
6.95 |
6.45 |
| |
600 - 639 |
C |
8.65 |
8.15 |
8.40 |
7.90 |
| |
550 - 599 |
D |
11.20 |
10.70 |
10.95 |
10.45 |
| |
<549 |
E |
16.75 |
16.25 |
16.50 |
16.00 |
| *EFT |
.50 Discount |
MEMBER MUST HAVE DIRECT DEPOSIT TO QUALIFY |
| **OL |
.25 Discount |
All Rates
are APR*
(*Annual Percentage Rate)
Loans Secured by Personal Property (Auto,
Truck, Boat etc.)
Rates as LOW as 5.00%* Up to 144 Months
Terms longer than 48 months
on Recreational type collateral will be subject
to a 3 year rate review |
| SHARED
SECURED (loan pledged against
savings) |
3.00%
|
| SHARED
SECURED (using the Member Advantage Account-
(money market) |
4.35%
|
| SIGNATURE |
11.75%-15.75%
|
| TERM
NOTES |
14.50%
|
| SIGNATURE LINE OF CREDIT
(FAST MONEY) |
9.90%-15.90%
|
| VISA
CARD |
9.90%-15.90%
|
| STUDENT
LOANS |
Call Cindy
(336-1803 direct line) |
| HOME
IMPROVE/HOME EQUITY |
Call for Rates
and Terms |
| HOME
MORTGAGES |
Call for Rates
and Terms |
SIGNATURE LOAN LIMIT
(Up to three years to repay) |
$5,000 |
PERSONAL LOAN LIMIT
(Up to fifteen years to repay)
(Total consumer secured / unsecured loan limit) |
$100,000
|
HOME IMPROVEMENT/HOME
EQUITY LOAN LIMIT
(Up to fifteen years to repay) |
H.I. $100,000
|
|
H.E. $100,000
|
LOT
LOANS
(Up to $100,000 for fifteen years)
|
Call for Rates and Terms
|
LEASED LAND LOAN
LIMIT
(Up to $200,000 for 30 years-3 year
balloon)
|
Call for Rates and Terms
|
|
