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Loan Rates
Effective 02/12/14

Type of Loan


Annual Percentage Rate
Personal Unsecured

12-48 months, $1000 minimum 

  10.65%
Retirement Loan
5 yr. max.
12.90%
Prime Line of Credit 6.90% Above Prime Rate*
10.15%
 
Share Collateral 3% Above Share Rate 
3.25%
 3 yr. max.
Certificate Collateral 3% Above CD Rate
refer to CD Rates
 
Fixed Rate Home Equity Loans up to 80% LTV

SPECIAL:
7 yr. max 80% LTV

$10,000 minimum and $250,000 maximum loan 

  2.90%  

5 yr. max. 80% LTV $5,000 minimum and $250,000 maximum loan

4.24%

10 yr. max. 80% LTV  $5,000 minimum and $250,000 maximum loan

4.74%

15 yr. max. 80% LTV  $5,000 minimum and $250,000 maximum loan

5.24%

20 yr. max. 80% LTV $5,000 minimum and $250,000 maximum loan 5.49%
25 yr. max. 80% LTV $5,000 minimum and $250,000 maximum loan 5.74%
30 yr. max. 80% LTV $5,000 minimum and $250,000 maximum loan 5.99%
 Home Stretch Home Equity Loan
 12 yr. max. 80% LTV 1st lien position, minimum loan of $10,000 and maximum of $250,000  3.49% 
13 - 22 yrs. max. 80% LTV 1st lien position, minimum loan of $10,000 and maximum of $250,000  4.09%
23 - 30 yrs. max. 80% LTV 1st lien position, minimum loan of $10,000 and maximum of $250,000  4.69%
Fixed Rate Home Equity Loans over 80% LTV    
20 yr. max. 100% LTV $175,000 maximum loan 6.25%
20 yr. max. 100% LTV Purchase Money Seconds Home Equity Loan, $100,000 maximum loan 6.25%
30 yr. max. 100%LTV Purchase Money Seconds Home Equity Loan, $100,000 maximum loan 6.75%
Security Home Equity Line of Credit
80% LTV, The rate is 1.79% for 1st 12 months, .51% below Prime Rate* thereafter
1.79%
New Auto
5 yr. max. 2012-2014 1.90%
6 yr. max. 2012-2014 2.40%
Used Auto
5 yr. max. 2012-2014 1.90%
6 yr. max. 2012-2014 2.70%
5 yr. max. 2011  2.10%
6 yr. max 2011 2.70%
5 yr. max. 2010 2.20%
6 yr. max. 2010 2.70%
5 yr. max. 2009 2.20%
6 yr. max. 2009 2.70%
5 yr. max. 2008 2.45%
5 yr. max. 2007 2.85%
5 yr. max. 2006 3.20%
3 yr. max. 2005 3.45%
4 yr. max. 2005 3.95%
5 yr. max. 2005 3.95%
4 yr. max. 2004 4.95%
New Mobile Home
10 yr. max., 30% down
11.90%
Used Mobile Home
7 yr. max., 30% down
11.90%
New Motor Home
7 yr. max., 20% down
12.75%
Used Motor Home
5 yr. max., 30% down
13.75%
New Boats
15 yr. max., 20% down, $50,000 max. loan
8.75%
Used Boats
15 yr. max., 20% down, $50,000 max. loan
9.25%
New Motorcycle
5 yr. max., 25% down
11.50%
Used Motorcycle
4 yr. max., 25% down
11.75%
*Current Prime Rate 3.25%
All rates are subject to change without notice. New Auto Loan, Used Auto Loan, Home Equity Loan and Personal Loan interest rates are the lowest rates available and are determined by individual credit worthiness. Other rates and terms available.
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