LOAN RATES
          Vehicle Loans
     2012 – 2014 Model Years  

Current rates

Current loan and deposit rates

Term

APR Minimum

APR Maximum

     72 Months

2.65% *

14.90% *

     49 – 60 Months

2.05% *

14.40% *

     12 – 48 Months

1.90% *

14.15% *

          Older Used Vehicles

Term

APR Minimum

APR Maximum

     12 – 48 Months

2.90% *

15.15%*

     49 – 60 Months

3.15% *

15.40% *

     RV – Boat – Motorcycle

     New and 1 Year Old

Term

APR Minimum

APR Maximum

     36 Months

2.05% *

12.40% *

     48 Months

2.90% *

13.40% *

     60 Months

3.15% *

13.90% *

     72 Months (Boats-RV’s)

3.65% *

14.90% *

     84 Months (Boats-RV’s)

4.40% *

18.00% *

     96 Months (Boats-RV’s)

5.40% *

18.00% *

     Used

     36 Months

4.40% *

14.40% *

     48 Months

4.90% *

16.00% *

     > 48 Months (Boats-RV’s)

5.90% *

18.00% *

     Unsecured

Term

APR Minimum

APR Maximum

     1 – 12 Months

7.05% *

18.00% *

     13 – 24 Months

8.05% *

18.00% *

     25 – 36 Months

9.05% *

18.00% *

     Home Equity

     Line of Credit

     Variable Rate

APR Minimum

APR Maximum

     80% Loan to Value

4.00% **

7.50% **

     90% Loan to Value

5.00% **

8.50% **

     Home Improvement

Second Mortgage Fixed Rate

     Closed End

Term

APR Minimum

APR Maximum

     Up to 80% Loan to Value

     Up to 5 Years

3.25% *

6.75% *

     6 – 10 Years

3.75% *

7.25%*

     11 – 15 Years

4.25% *

7.75% *

     Up to 90% Loan to Value

     Up to 5 Years

4.375% *

6.875% *

     6 – 10 Years

4.875% *

7.375% *

     11 – 15 Years

5.375% *

7.875% *

     First Mortgage Loans

     80% Loan to Value

Term

APR Minimum

APR Maximum

15 Year
With Closing Costs + 1% Origination

3.375% *

7.875% *

With Closing Costs

3.75% *

8.25% *

No Closing Costs

4.25% *

8.75% *

30 Year
With Closing Costs + 1% Origination

4.25% ***

With Closing Costs

4.50% ***

No Closing Costs

5.00% ***

Non Owner Occupied
Up to 75% Loan to Value
15 Year

4.50% ***