Loan Rates
For loans which are approved, the rate offered is
determined by the borrower's credit rating and may be as low as
the rates below. We reserve the right to match any competitor's
rates.
Summary
Of Rates And Terms
For Loans
All Rates Effective October 1 - October 31, 2008*
Home
Equity Loans
Without Share Draft and Direct Deposit, add .50% to these
rates. |
Maximum
Amount |
Maximum
Term |
A.P.R.** |
80% LTV |
5 years |
6.50% |
80% LTV |
10 years |
6.75% |
80% LTV |
15 years |
7.00% |
90% LTV |
5 years |
7.50% |
90% LTV |
10 years |
7.75% |
90% LTV |
15 years |
8.00% |
Home Equity Lines of Credit |
Maximum
Amount |
Maximum
Term |
Draw Period |
A.P.R.** |
90% LTV |
15 years |
5 years |
|
New
Automobile Loans (New and 2007 Used)
Without Share Draft and Direct Deposit, add
.50% to these rates. |
Maximum
Amount |
Maximum
Term |
A.P.R.** |
100%
of purchase price |
66
months |
5.50% |
100%
of purchase price |
72
months |
5.75% |
Used
Automobile Loans
Without Share Draft and Direct Deposit, add
.50% to these rates. |
| . |
Maximum
Amount |
Maximum
Term |
A.P.R.** |
2006
Used Cars
(2007's AS NEW) |
NADA
Loan Value |
66
months |
5.75% |
| 3 or 4 Model
Years Old (2004 -2005) |
NADA
Loan Value |
60
months |
5.75% |
| 5 or 6 Model
Years Old (2002 -2003) |
NADA
Loan Value |
54
months |
6.00% |
| Seven
or More Model Years Old |
NADA
Loan Value |
48
months |
7.00% |
Used
Automobile loans granted in excess of the NADA Loan Value,
will have an APR higher than stated above. |
|
| . |
Maximum
Amount |
Maximum
Term |
A.P.R.** |
| Personal,
Unsecured Term Loans |
$10,000 |
36
months |
13.00% |
| Overdraft
Line of Credit |
$10,000 |
24
months |
10.00% |
|
Maximum
Term |
A.P.R.** |
24
months |
9.90% |
** A.P.R. stands for
Annual Percentage Rate
|
|
