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Loan Rates
Effective 12/01/14

Type of Loan


Annual Percentage Rate
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%
Land Loan  
10 yr. max. 30% down   5.95%
New Auto
5 yr. max. 2013-2015 1.99%
6 yr. max. 2013-2015 2.49%
Used Auto
5 yr. max. 2013-2015 1.99%
6 yr. max. 2013-2015 2.79%
5 yr. max. 2012  2.19%
6 yr. max 2012 2.79%
5 yr. max. 2011 2.29%
6 yr. max. 2011 2.79%
5 yr. max. 2010 2.29%
6 yr. max. 2010 2.79%
5 yr. max. 2009 2.89%
5 yr. max. 2008 3.09%
5 yr. max. 2007 3.29%
3 yr. max. 2006 3.69%
4 yr. max. 2006 3.99%
5 yr. max. 2006 3.99%
4 yr. max. 2005 5.19%
Personal Unsecured

12-48 months, $1000 minimum 

  10.65%
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.

2013 - 2015 

2.24%

6 yr. max.

2013 - 2015

2.90%
Used Motorcycle
5 yr. max.

2013 - 2015

2.24%
6 yr. max.

2013 - 2015

3.04%
5 yr. max.

2012

2.44%
6 yr. max.

2012

3.04%
5 yr. max.

2011

2.54%
6 yr. max.

2011

3.04%
5 yr. max.

2010

2.54%
6 yr. max.

2010

3.04%
5 yr. max.

2009

3.14%
5 yr. max.

2008

3.34%
5 yr. max.

2007

3.54%
3 yr. max.

2006

3.94%
4 yr. max.

2006

4.24%
5 yr. max.

2006

4.24%
4 yr. max.

2005

5.44%
Retirement Loan
5 yr. max.   12.90%
Shares Collateral Loan
3% Above Share Rate, 3 yr. max.   Refer to Share Rate
Certificate Collateral
3% Above CD Rate   Refer to CD Rates
Prime Line of Credit
 6.90% Above Prime Rate*   10.15%
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    
*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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