Rates
Rates Effective as of 12/31/17| VEHICLE LOANS | YEAR | APR | TERM |
|---|---|---|---|
| New/Used Car, Truck or Motorcycle | 2008-2018 | 2.99% | 24 months |
| New/Used Car, Truck or Motorcycle | 2009-2018 | 3.49% | 36 months |
| New/Used Car, Truck or Motorcycle | 2010-2018 | 3.99% | 48 months |
| New/Used Car, Truck or Motorcycle | 2011-2018 | 4.49% | 60 months |
| New/Used Car, Truck or Motorcycle | 2015-2018 | 4.99% | 72 months |
| New/Used Car, Truck or Motorcycle | 2017-2018 | 5.49% | 84 months |
| New = current model year or one year newer with < 2500 miles | |||
| RECREATIONAL VEHICLES | YEAR | APR | TERM |
|---|---|---|---|
| Boats-RV-ATV-Snowmobile-Jet Ski | 2008-2018 | 3.49% | 24 months |
| Boats-RV-ATV-Snowmobile-Jet Ski | 2009-2018 | 4.49% | 36 months |
| Boats-RV-ATV-Snowmobile-Jet Ski | 2010-2018 | 4.99% | 48 months |
| Boats-RV-ATV-Snowmobile-Jet Ski | 2011-2018 | 5.49% | 60 months |
| Boats-RV-ATV-Snowmobile-Jet Ski | 2015-2018 | 5.99% | 72 months |
| Boats-RV | 2017-2018 | 6.99% | 120 months |
| minimum for 120 month financing is $25,000 | |||
| UNSECURED LOANS | APR | TERM |
|---|---|---|
| Overdraft Protection | 18.00% | Revolving |
| Signature Line of Credit | 16.00% | Revolving |
| Signature Loan | 9.00% | 12-60 months |
| Tax Loans (tax payment/real estate) | 5.49% | 6-24 months |
| Debt Consolidation Loans | 12.00% | 12-60 months |
| OTHER SECURED LOANS | APR | TERM |
|---|---|---|
| Other Secured-Vehicles 2006 and Older | 11.00% | 12-48 months |
| Other Secured-Tractors, Mowers, Other Equipment | 11.00% | 12-72 months |
| Share Secured | R+3.00% | 12-48 months |
| Share Certificate | R+3.00% | CD Term |
| VISA CREDIT CARD | APR | Term |
|---|---|---|
| VISA Credit Card | 12.00% | Revolving |
| ENERGY LOANS | APR | TERM |
|---|---|---|
| May be used for any energy efficiency improvement | 4.99% | 12-48 months |
| 5.49% | 12-60 months |
| TIME NOTES | RATE | TERM |
|---|---|---|
| Unsecured | 16.00% | 30-90 days |
| Secured | Secured Rate | 30-90 days |
| HOME LOANS | RATE | TERM |
|---|---|---|
| Home Improvement Loan | 12.00% | 12-60 months |
| Home Equity Line of Credit | Prime Rate+2.00% | 60-180 months |
| Index: Wall Street Journal Rate Adjustments: Quarterly Prime Rate is 4.75% as of 5/15/18 Margin is 2.00% |
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