|
|
Rates are effective as of Monday, May 5, 2008
Rates are subject to change without notice.
 |
| JUMBO Mortgage and New Construction Fixed Rate: Owner Occupied |
|
|
 |
| Term |
Rate |
APR |
| 0 Points |
| 10 Year |
5.625% |
5.655% |
| 15 Year |
5.750% |
5.762% |
| 20 Year |
6.000% |
6.010% |
| 25 Year |
6.125% |
6.133% |
| 30 Year |
6.375% |
6.383% |
| 1 Point |
| 10 Year |
5.375% |
5.622% |
| 15 Year |
5.500% |
5.666% |
| 20 Year |
5.750% |
5.883% |
| 25 Year |
5.875% |
5.988% |
| 30 Year |
6.125% |
6.227% |
| 2 Points |
| 10 Year |
5.125% |
5.591% |
| 15 Year |
5.250% |
5.570% |
| 20 Year |
5.500% |
5.756% |
| 25 Year |
5.625% |
5.843% |
| 30 Year |
6.875% |
6.070% |
• APR: Annual Percentage Rate
• APR Based on a $417,001.00 loan amount, unless otherwise noted.
• Fees vary and are due at time of application.
• Require 20% Down / Less 20% MGIC Insurance.
• Less 30% Down Requires Monthly Escrow of Taxes.
• Rate Lock of 45 Days with (1) Point at Application
• Rate Lock: Point is refunded on denied applications.
•
View Information Needed At Time Of Mortgage Application |
|
|
| JUMBO Mortgage and New Construction Adjustable Rate: Owner Occupied |
|
|
|
| Term |
Rate |
APR |
| 0 Points |
| 1/1 Year Review |
4.625% |
4.864% |
| 3/3 Year Review |
5.125% |
5.507% |
| 5/1 Year Review |
5.375% |
5.989% |
| 7/1 Year Review |
5.625% |
6.363% |
| 10/1 Year Review |
5.875% |
6.560% |
| 1 Point |
| 1/1 Year Review |
4.375% |
4.695% |
| 3/3 Year Review |
4.875% |
5.347% |
| 5/1 Year Review |
5.125% |
6.428% |
| 7/1 Year Review |
5.375% |
6.210% |
| 10/1 Year Review |
5.625% |
6.410% |
| 2 Points |
| 1/1 Year Review |
4.125% |
4.530% |
| 3/3 Year Review |
4.625% |
5.192% |
| 5/1 Year Review |
4.875% |
5.676% |
| 7/1 Year Review |
5.125% |
6.102% |
| 10/1 Year Review |
5.375% |
6.258% |
• APR: Annual Percentage Rate
• APR Based on a $417,001.00 loan amount, unless otherwise noted.
• Fees vary and are due at time of application.
• Require 20% Down / Less 20% MGIC Insurance.
• Less 30% Down Requires Monthly Escrow of Taxes.
• Rate Lock of 45 Days with (1) Point at Application
• Rate Lock: Point is refunded on denied applications.
•
View Information Needed At Time Of Mortgage Application |
|
|
| First Time Home Buyer Special! JUMBO Mortgage and New Construction Fixed Rate: Owner Occupied |
|
|
|
| Points |
Term |
Rate |
APR |
| 0 Points |
30 Year Fixed |
6.125% |
6.132% |
• APR: Annual Percentage Rate is based on a $417,001.00 loan amount, unless otherwise noted.
• Down Payment Requirements: a 20% down payment is required; less than a 20% down payment will require MGIC Insurance; less than a 30% down payment will require real estate tax escrow.
• Rate Lock Policy: Rate will lock for 45 Days with (1) point payment at application; point is refunded on denied applications.
• Construction Term Policy: The construction phase is limited to a maximum (12) month period.
•
View Information Needed At Time Of Mortgage Application |
|
|
| First Time Home Buyer Special! JUMBO Mortgage and New Construction Adjustable Rate: Owner Occupied |
|
|
|
| Points |
Term |
Rate |
APR |
| 0 Points |
6/1 Year Review |
5.375% |
6.137% |
• APR: Annual Percentage Rate is based on a $417,001.00 loan amount, unless otherwise noted.
• Down Payment Requirements: a 20% down payment is required; less than a 20% down payment will require MGIC Insurance; less than a 30% down payment will require real estate tax escrow.
• Rate Lock Policy: Rate will lock for 45 Days with (1) point payment at application; point is refunded on denied applications.
• Review Policy: Reviews CAP at 6% for the life of the mortgage, but will
not exceed 2% adjustment at each review.
• Construction Term Policy: The construction phase is limited to a maximum (12) month period.
•
View Information Needed At Time Of Mortgage Application |
|
|
| Mortgage and New Construction Fixed Rate: Owner Occupied |
|
|
|
| Term |
Rate |
APR |
| 0 Points |
| 10 Year |
5.500% |
5.582% |
| 15 Year |
5.625% |
5.658% |
| 20 Year |
5.875% |
5.901% |
| 25 Year |
6.000% |
6.022% |
| 30 Year |
6.250% |
6.270% |
| 1 Point |
| 10 Year |
5.250% |
5.549% |
| 15 Year |
5.375% |
5.923% |
| 20 Year |
5.625% |
5.774% |
| 25 Year |
5.750% |
5.877% |
| 30 Year |
6.000% |
6.114% |
| 2 Points |
| 10 Year |
5.000% |
5.518% |
| 15 Year |
5.125% |
5.465% |
| 20 Year |
5.375% |
5.646% |
| 25 Year |
5.500% |
5.730% |
| 30 Year |
5.750% |
5.956% |
• APR: Annual Percentage Rate
• APR Based on a $150,000.00 loan amount, unless otherwise noted.
• Fees vary and are due at time of application.
• Require 20% Down / Less 20% MGIC Insurance.
• Less 30% Down Requires Monthly Escrow of Taxes.
• Rate Lock of 45 Days with (1) Point at Application
• Rate Lock: Point is refunded on denied applications.
•
View Information Needed At Time Of Mortgage Application |
|
|
|
Mortgage and New Construction Adjustable Rate: Owner Occupied |
|
|
|
| Term |
Rate |
APR |
| 0 Points |
| 1/1 Year Review |
4.500% |
4.760% |
| 3/3 Year Review |
5.000% |
5.272% |
| 5/1 Year Review |
5.250% |
5.878% |
| 7/1 Year Review |
5.500% |
6.263% |
| 10/1 Year Review |
5.750% |
6.461% |
| 1 Point |
| 1/1 Year Review |
4.250% |
4.510% |
| 3/3 Year Review |
4.750% |
5.234% |
| 5/1 Year Review |
5.000% |
5.722% |
| 7/1 Year Review |
5.250% |
6.110% |
| 10/1 Year Review |
5.500% |
6.310% |
| 2 Points |
| 1/1 Year Review |
4.000% |
4.416% |
| 3/3 Year Review |
4.500% |
5.087% |
| 5/1 Year Review |
4.750% |
5.564% |
| 7/1 Year Review |
5.000% |
5.955% |
| 10/1 Year Review |
5.250% |
6.158% |
|
• APR: Annual Percentage Rate is based on a $150,000.00 loan amount, with a 30-year amortization.
• Down Payment Requirements: a 20% down payment is required; less than a 20% down payment will require MGIC Insurance; less than a 30% down payment will require real estate tax escrow.
• Rate Lock Policy: Rate will lock for 45 Days with (1) point payment at application; point is refunded on denied applications.
• Review Policy: Reviews CAP at 6% for the life of the mortgage, but will
not exceed 2% adjustment at each review.
• Construction Term Policy: The construction phase is limited to a maximum (12) month period.
•
View Information Needed At Time Of Mortgage Application |
|
|
| SPECIAL OFFER: Mortgage and New Construction Adjustable Rate: Owner Occupied |
|
|
|
| Term |
Rate |
APR |
| 6/1 Year Review |
5.250% |
6.026% |
• APR: Annual Percentage Rate is based on a $150,000.00 loan amount, with a 40-year amortization.
• Down Payment Requirements: a 20% down payment is required; less than a 20% down payment will require MGIC Insurance; less than a 30% down payment will require real estate tax escrow.
• Rate Lock Policy: Rate will lock for 45 Days with (1) point payment at application; point is refunded on denied applications.
• Review Policy: Reviews CAP at 6% for the life of the mortgage, but will
not exceed 2% adjustment at each review.
• Construction Term Policy: The construction phase is limited to a maximum (12) month period.
•
View Information Needed At Time Of Mortgage Application |
|
|
| "IDEAL" No Fee First Mortgage Fixed Rate: Owner Occupied |
|
|
|
| LTV |
Minimum Amount |
Term |
Rate |
APR |
| 80% |
$5,000.00 |
5 Year |
5.250% |
5.250% |
| 80% |
$5,000.00 |
10 Year |
5.500% |
5.500% |
| 80% |
$5,000.00 |
15 Year |
5.750% |
5.750% |
• APR: Annual Percentage Rate is based on a $100,000.00 loan amount, unless otherwise noted.
• Rate Lock Policy: Rate will lock for 45 Days for a fee of $500.00 and is refunded upon receipt of closing from attorney; fee is non refundable on withdrawn applications; fee and rate lock are forfeited on loans closed after the 45 day period; fee is automatically refunded on denied applications.
•
View Information Needed At Time Of Mortgage Application |
|
|
| Mortgage Fixed Rate: Non-Owner Occupied |
|
|
|
| Maximum 15-Year Term |
| Points |
Rate |
APR |
| 3 Points |
6.000% |
6.584% |
| 2-1/2 Points |
6.250% |
6.756% |
| 2 Points |
6.500% |
6.928% |
| 1-1/2 Points |
6.750% |
7.099% |
| 1 Point |
7.000% |
7.270% |
| 0 Points |
7.500% |
7.609% |
• APR: Annual Percentage Rate is based on a $150,000.00 loan amount,
unless otherwise noted.
• Down Payment Requirements: a 20% down payment is required; less than a 20% down payment will require MGIC Insurance; less than a 30% down payment will require real estate tax escrow.
• Rate Lock Policy: Rate will lock for 45 Days with (1) point payment at application; point is refunded on denied applications.
• Non-Owner Occupied: The maximum term on a non-owner occupied
mortgage is (15) years.
•
View Information Needed At Time Of Mortgage Application |
|
|
| Mortgage Adjustable Rate: Non-Owner Occupied |
|
|
|
| Term |
Rate |
APR |
| 0 Points |
| 1/1 Year Review |
6.000% |
6.943% |
| 3/3 Year Review |
6.250% |
7.230% |
| 5/1 Year Review |
6.500% |
7.373% |
| 7/1 Year Review |
6.750% |
7.495% |
| 10/1 Year Review |
7.000% |
7.416% |
| 1 Point |
| 1/1 Year Review |
5.750% |
6.938% |
| 3/3 Year Review |
6.000% |
7.141% |
| 5/1 Year Review |
6.250% |
7.285% |
| 7/1 Year Review |
6.500% |
7.408% |
| 10/1 Year Review |
6.750% |
7.328% |
| 1-1/2 Points |
| 1/1 Year Review |
5.500% |
6.701% |
| 3/3 Year Review |
5.750% |
6.972% |
| 5/1 Year Review |
6.000% |
7.117% |
| 7/1 Year Review |
6.250% |
7.587% |
| 10/1 Year Review |
6.500% |
7.159% |
| 2 Points |
| 1/1 Year Review |
5.375% |
6.623% |
| 3/3 Year Review |
5.500% |
6.714% |
| 5/1 Year Review |
5.750% |
6.948% |
| 7/1 Year Review |
6.125% |
7.045% |
| 10/1 Year Review |
6.250% |
6.887% |
| 2-1/2 Points |
| 1/1 Year Review |
5.250% |
6.535% |
| 3/3 Year Review |
5.375% |
6.701% |
| 5/1 Year Review |
5.625% |
6.904% |
| 7/1 Year Review |
6.000% |
7.050% |
| 10/1 Year Review |
6.125% |
6.843% |
| 3 Points |
| 1/1 Year Review |
5.125% |
6.489% |
| 3/3 Year Review |
5.250% |
6.655% |
| 5/1 Year Review |
5.375% |
6.885% |
| 7/1 Year Review |
5.875% |
7.006% |
| 10/1 Year Review |
6.000% |
7.288% |
• APR: Annual Percentage Rate
• APR Based on a $150,000.00 loan amount, with a (15) year term.
• Fees vary and are due at time of application.
• Require 20% Down / Less 20% MGIC Insurance.
• Less 30% Down Requires Monthly Escrow of Taxes.
• Rate Lock of 45 Days with (1) Point at Application
• Rate Lock: Point is refunded on denied applications.
• Review: Reviews have a 6% CAP on the life of the mortgage,
but will not exceed 2% adjustment at each review.
•Non-Owner Occupied: The maximum term on a non-owner occupied
mortgage is (15) years .
•
View Information Needed At Time Of Mortgage Application |
|
|
| First Time Home Buyer Special! Fixed Rate Mortgage & New Construction |
|
|
|
| Points |
Term |
Rate |
APR |
| 0 Points |
30 Year Fixed |
6.000% |
6.020% |
• APR: Annual Percentage Rate is based on a $150,000.00 loan amount, unless otherwise noted.
• Down Payment Requirements: a 20% down payment is required; less than a 20% down payment will require MGIC Insurance; less than a 30% down payment will require real estate tax escrow.
• Rate Lock Policy: Rate will lock for 45 Days with (1) point payment at application; point is refunded on denied applications.
• Review Policy: Reviews CAP at 6% for the life of the mortgage, but will
not exceed 2% adjustment at each review.
•
View Information Needed At Time Of Mortgage Application |
|
|
| Construction Fixed Rate: Non-Owner Occupied |
|
|
|
| Term |
Rate |
APR |
| 15 Year |
8.500% |
8.782% |
• APR: Annual Percentage Rate is based on a $150,000.00 loan amount, with a 30-year amortization.
• Down Payment Requirements: a 20% down payment is required; less than a 20% down payment will require MGIC Insurance; less than a 30% down payment will require real estate tax escrow.
• Rate Lock Policy: Rate will lock for 45 Days with (1) point payment at application; point is refunded on denied applications.
• Review Policy: Reviews CAP at 6% for the life of the mortgage, but will
not exceed 2% adjustment at each review.
• Construction Term Policy: The construction phase is limited to a maximum (12) month period.
• Non-Owner Occupied: The maximum term on a non-owner occupied
mortgage is (15) years. |
|
|
| Spec Construction Fixed Rate: Non-Owner Occupied |
|
|
|
| Points |
Term |
Rate |
APR |
| 1-1/2 |
12 Months |
7.250% |
9.010% |
• APR: Annual Percentage Rate is based on a $150,000.00 loan amount, with a 30-year amortization.
• Down Payment Requirements: a 20% down payment is required; less than a 20% down payment will require MGIC Insurance; less than a 30% down payment will require real estate tax escrow.
• Rate Lock Policy: Rate will lock for 45 Days with (1) point payment at application; point is refunded on denied applications.
• Review Policy: Reviews CAP at 6% for the life of the mortgage, but will
not exceed 2% adjustment at each review.
• Construction Term Policy: The construction phase is limited to a maximum (12) month period. |
|
|
| Construction Adjustable Rate: Non-Owner Occupied |
|
|
|
| Points |
Term |
Rate |
APR |
| 1 Point |
12 Months |
7.500% |
8.434% |
• APR: Annual Percentage Rate is based on a $150,000.00 loan amount, with a 30-year amortization.
• Down Payment Requirements: a 20% down payment is required; less than a 20% down payment will require MGIC Insurance; less than a 30% down payment will require real estate tax escrow.
• Rate Lock Policy: Rate will lock for 45 Days with (1) point payment at application; point is refunded on denied applications.
• Review Policy: Reviews CAP at 6% for the life of the mortgage, but will
not exceed 2% adjustment at each review.
• Construction Term Policy: The construction phase is limited to a maximum (12) month period. |
|
|
| Land Fixed Rate: Owner Occupied |
|
|
|
| Term |
Rate |
APR |
| 0 Points |
| 5 Year |
7.500% |
7.631% |
| 10 Year |
8.500% |
8.631% |
| 15 Year |
9.500% |
9.555% |
| 1 Point |
| 5 Year |
7.250% |
7.794% |
| 10 Year |
8.250% |
8.554% |
| 15 Year |
9.250% |
9.478% |
| 2 Points |
| 5 Year |
7.000% |
7.691% |
| 10 Year |
8.000% |
8.535% |
| 15 Year |
9.000% |
9.400% |
• APR: Annual Percentage Rate is based on a $100,000.00 loan amount, unless otherwise noted.
• Down Payment Requirements: a 20% down payment is required; less than a 20% down payment will require MGIC Insurance; less than a 30% down payment will require real estate tax escrow.
• Rate Lock Policy: Rate will lock for 45 Days with (1) point payment at application; point is refunded on denied applications. |
|
|
| Land Adjustable Rate: Owner Occupied |
|
|
|
| Term |
Rate |
APR |
| 0 Points |
| 1/1 Year Review |
7.000% |
7.281% |
| 3/3 Year Review |
7.250% |
7.644% |
| 5/5 Year Review |
7.500% |
8.209% |
| 1 Point |
| 1/1 Year Review |
6.750% |
7.131% |
| 3/3 Year Review |
7.000% |
7.497% |
| 5/5 Year Review |
7.250% |
7.961% |
| 2 Points |
| 1/1 Year Review |
6.500% |
6.979% |
| 3/3 Year Review |
6.750% |
7.348% |
| 5/5 Year Review |
7.000% |
7.816% |
• APR: Annual Percentage Rate is based on a $100,000.00 loan amount, with a 30-year amortization.
• Down Payment Requirements: a 20% down payment is required; less than a 20% down payment will require MGIC Insurance; less than a 30% down payment will require real estate tax escrow.
• Rate Lock Policy: Rate will lock for 45 Days with (1) point payment at application; point is refunded on denied applications.
• Review Policy: Reviews CAP at 6% for the life of the mortgage, but will
not exceed 2% adjustment at each review. |
|
|
| Home Equity Fixed Rate: Owner Occupied |
|
|
|
| Term |
Rate |
APR |
| 5 Year |
5.500% |
5.500% |
| 10 Year |
5.750% |
5.750% |
| 15 Year |
6.000% |
6.000% |
| 20 Year |
7.000% |
7.000% |
• APR: Annual Percentage Rate -
Based on $100,000.00 loan amount, unless otherwise noted.
• Rate Lock Policy: Rate will lock for 45 days with (1) point
payment at application; point is refunded on denied applications.
• Fees vary and are due at application. |
|
|
| "FLEX LINE" Home Equity Line Of Credit: Owner Occupied |
|
|
|
| Our Home Equity Line of Credit allows you to borrow up to 80% of the value
of your home, less the amount you already owe. Use your available equity for
home improvements, debt consolidation, education, vacation, even auto purchases
and the interest you pay may be tax deductible.* Once your credit line has been
established, you draw on it as you need it; you do not get the line amount as a
lump sum. Annual Percentage Rates Based on a $100,000 Loan Value. Fees vary and are due at application. |
| LTV |
Term |
Rate |
APR |
| 80% |
20 Year |
Prime (-) .51%
Min $25,000-$99,999 |
N/A |
| 80% |
20 Year |
Prime (-) 1.01%
Min $100,000 and over |
N/A |
| 80% |
20 Year |
Prime Rate
Under $25,000 |
N/A |
• LTV: Loan to Value / Home Equity Policy: Up to a maximum 80%
Loan to Value.
• APR: Annual Percentage Rate is based on a $100,000.00 loan amount, unless otherwise noted.
• Rate Lock Policy: Rate will lock for 45 days with (1) point
payment at application; point is refunded on denied applications.
• HELOC Policy: (10) Year Draw Period / (10) Year Repay Period.
• Prime Rate : 6.00% |
|
|
|
SPECIAL OFFER: "FLEX LINE" Home Equity Line of Credit: Owner Occupied |
|
|
|
| LTV |
Term |
Rate |
APR |
| 80% |
20 Year |
Prime (-) 1.50%
For the life of the loan! |
N/A |
• LTV: Loan to Value / Home Equity Policy: Up to a maximum 80%
Loan to Value.
• APR: Annual Percentage Rate is based on $100,000.00 loan
amount, unless otherwise noted.
• Rate Lock Policy: Rate will lock for 45 days with (1) point
payment at application; point is refunded on denied applications.
• HELOC Policy: (10) Year Draw Period / (10) Year Repay Period.
• HELOC - Special Rate Offer: ceiling not to exceed 10.50%; floor not to fall below 6.00%
• Prime Rate: 5.25% |
|
|
| New Auto & Truck: Year 2007 or Newer |
|
|
|
| Terms |
Rate/APR |
CME or ALP/APR |
Financing |
| 1 Year |
5.75% / 6.13% |
5.50% / 5.88% |
100% Purchase |
| 2 Year |
5.75% / 5.95% |
5.50% / 5.70% |
100% Purchase |
| 3 Year |
5.75% / 5.89% |
5.50% / 5.64% |
100% Purchase |
| 4 Year |
6.00% / 6.11% |
5.75% / 5.86% |
100% Purchase |
| 5 Year |
6.25% / 6.34% |
6.00% / 5.84% |
100% Purchase |
| 6 Year |
6.50% / 6.58% |
6.25% / 6.33% |
100% Purchase |
| 7 Year |
7.50% / 7.57% |
7.25% / 7.32% |
100% Purchase |
• APR - Annual Percentage Rate, based on a $5,000 loan amount,
unless otherwise noted.
• CME - Change Made Easy earns .25% discount on rate. Share
Draft must remain active for the life of the loan.
• ALP - Existing Members earn .25% discount on rate with
Automatic Loan Payment.
• $500.00 Minimum Loan Amount
• $10.00 Application Fee
•
View Information Needed At Time Of Auto Loan Application
• Apply for a consumer loan |
|
|
|
Used Auto & Truck: Year 2006-2005 |
|
|
|
| Terms |
Rate/APR |
CME or ALP/APR |
Financing |
| 1 Year |
5.75% / 6.13% |
5.50% / 5.88% |
100% NADA Retail |
| 2 Year |
5.75% / 5.95% |
5.50% / 5.70% |
100% NADA Retail |
| 3 Year |
5.75% / 5.89% |
5.50% / 5.64% |
100% NADA Retail |
| 4 Year |
6.00% / 6.11% |
5.75% / 5.86% |
100% NADA Retail |
| 5 Year |
6.25% / 6.34% |
6.00% / 6.09% |
100% NADA Retail |
| 6 Year |
7.25% / 7.33% |
7.00% / 7.07% |
100% NADA Retail |
• APR - Annual Percentage Rate, based on a $5,000 loan amount,
unless otherwise noted.
• CME - Change Made Easy earns .25% discount on rate. Share
Draft must remain active for the life of the loan.
• ALP - Existing Members earn .25% discount on rate with
Automatic Loan Payment.
• $10.00 Application Fee
• $500.00 Minimum Loan Amount
•
View Information Needed At Time Of Auto Loan Application
• Apply for a consumer loan |
|
|
|
Used Auto & Truck: Year 2004-2003 |
|
|
|
| Terms |
Rate/APR |
CME or ALP/APR |
Financing |
| 1 Year |
5.75% / 6.13% |
5.50% / 5.88% |
100% NADA Retail |
| 2 Year |
5.75% / 5.95% |
5.50% / 5.70% |
100% NADA Retail |
| 3 Year |
5.75% / 5.89% |
5.50% / 5.64% |
100% NADA Retail |
| 4 Year |
6.00% / 6.11% |
5.75% / 5.86% |
100% NADA Retail |
| 5 Year |
6.25% / 6.34% |
6.00% / 6.09% |
100% NADA Retail |
• APR - Annual Percentage Rate, based on a $5,000 loan amount,
unless otherwise noted.
• CME - Change Made Easy earns .25% discount on rate. Share
Draft must remain active for the life of the loan.
• ALP - Existing Members earn .25% discount on rate with
Automatic Loan Payment.
• $10.00 Application Fee
• $500.00 Minimum Loan Amount
•
View Information Needed At Time Of Auto Loan Application
• Apply for a consumer loan |
|
|
|
Used Auto & Truck: Year 2002-1998 |
|
|
|
| Terms |
Rate/APR |
CME or ALP/APR |
Financing |
| 1 Year |
7.00% / 7.38% |
6.75% / 7.13% |
95% NADA Retail |
| 2 Year |
7.25% / 7.45% |
7.00% / 7.20% |
95% NADA Retail |
| 3 Year |
7.50% / 7.64% |
7.25% / 7.39% |
95% NADA Retail |
| 4 Year |
7.75% / 7.86% |
7.50% / 7.61% |
95% NADA Retail |
• APR - Annual Percentage Rate, based on a $5,000 loan amount,
unless otherwise noted.
• CME - Change Made Easy earns .25% discount on rate. Share
Draft must remain active for the life of the loan.
• ALP - Existing Members earn .25% discount on rate with
Automatic Loan Payment.
• $10.00 Application Fee
• $500.00 Minimum Loan Amount
•
View Information Needed At Time Of Auto Loan Application
• Apply for a consumer loan |
|
|
|
2007 or Newer Motorcycle Loans |
|
|
|
| Terms |
Rate/APR |
CME or ALP/APR |
Financing |
| 1 Year |
6.75% / 7.13% |
6.50% / 6.88% |
100% Purchase |
| 2 Year |
6.75% / 6.95% |
6.50% / 6.70% |
100% Purchase |
| 3 Year |
6.75% / 6.89% |
6.50% / 6.64% |
100% Purchase |
| 4 Year |
7.00% / 7.11% |
6.75% / 6.86% |
100% Purchase |
| 5 Year |
7.25% / 7.34% |
7.00% / 7.09% |
100% Purchase |
| 6 Year |
7.50% / 7.58% |
7.25% / 7.33% |
100% Purchase |
• APR - Annual Percentage Rate, based on a $5,000 loan amount,
unless otherwise noted.
• CME - Change Made Easy earns .25% discount on rate. Share
Draft must remain active for the life of the loan.
• ALP - Existing Members earn .25% discount on rate with
Automatic Loan Payment.
• $10.00 Application Fee.
• $1,000.00 Minimum Loan Amount.
• Apply for a consumer loan |
|
|
|
2006-1998 Older Motorcycle Loans |
|
|
|
| Terms |
Rate/APR |
CME or ALP/APR |
Financing |
| 1 Year |
7.75% / 8.13% |
7.50% / 7.88% |
95% NADA Retail |
| 2 Year |
7.75% / 7.95% |
7.50% / 7.71% |
95% NADA Retail |
| 3 Year |
8.00% / 8.14% |
7.75% / 7.89% |
90% NADA Retail |
| 4 Year |
8.00% / 8.11% |
7.75% / 7.86% |
90% NADA Retail |
| 5 Year |
8.50% / 8.59% |
8.25% / 8.34% |
90% NADA Retail |
• APR - Annual Percentage Rate, based on a $5,000 loan amount,
unless otherwise noted.
• CME - Change Made Easy earns .25% discount on rate. Share
Draft must remain active for the life of the loan.
• ALP - Existing Members earn .25% discount on rate with
Automatic Loan Payment.
• $10.00 Application Fee.
• $1,000.00 Minimum Loan Amount.
• Apply for a consumer loan |
|
|
|
2008 or Newer Recreational Vehicle & Camper Loans |
|
|
|
| Terms |
Rate/APR |
CME or ALP/APR |
Financing |
| 1 Year |
7.75% / 8.13% |
7.50% / 7.88% |
100% Purchase |
| 2 Year |
8.00% / 8.14% |
7.75% / 7.89% |
100% Purchase |
| 3 Year |
8.50% / 8.58% |
8.25% / 8.33% |
100% Purchase |
| 5 Year |
9.00% / 9.07% |
8.75% / 8.82% |
100% Purchase |
| 7 Year |
10.00% / 10.07% |
9.75% / 9.82% |
100% Purchase |
| 10 Year |
11.00% / 11.06% |
10.75% / 10.81% |
100% Purchase |
| 15 Year |
12.00% / 12.05% |
11.75% / 11.80% |
100% Purchase |
• APR - Annual Percentage Rate, based on a $5,000 loan amount,
unless otherwise noted.
• CME - Change Made Easy earns .25% discount on rate. Share
Draft must remain active for the life of the loan.
• ALP - Existing Members earn .25% discount on rate with
Automatic Loan Payment.
• $10.00 Application Fee.
• Apply for a consumer loan |
|
|
|
2007-1988 Recreational Vehicle & Camper Loans |
|
|
|
| Terms |
Rate/APR |
CME or ALP/APR |
Financing |
| 1 Year |
9.00% / 9.38% |
8.75% / 9.13% |
100% NADA Retail |
| 2 Year |
9.00% / 9.21% |
8.75% / 8.96% |
100% NADA Retail |
| 3 Year |
10.00% / 10.15% |
9.75% / 9.90% |
95% NADA Retail |
| 4 Year |
10.00% / 10.11% |
9.75% / 9.86% |
95% NADA Retail |
| 5 Year |
10.00% / 10.09% |
9.75% / 9.84% |
95% NADA Retail |
| 7 Year |
12.00% / 12.07% |
9.75% / 9.82% |
90% NADA Retail |
| 10 Year |
14.00% / 14.06% |
10.75% / 10.81% |
950% NADA Retail |
• APR - Annual Percentage Rate, based on a $5,000 loan amount,
unless otherwise noted.
• CME - Change Made Easy earns .25% discount on rate. Share
Draft must remain active for the life of the loan.
• ALP - Existing Members earn .25% discount on rate with
Automatic Loan Payment.
• $10.00 Application Fee.
• Apply for a consumer loan |
|
|
| "ALL PURPOSE" Personal Loan |
|
|
|
| Terms |
Rate/APR |
CME or ALP/APR |
| 1 Year |
10.50% / 10.87% |
10.25% / 10.62% |
| 2 Year |
12.00% / 12.21% |
11.75% / 11.96% |
| 3 Year |
13.00% / 13.15% |
12.75% / 12.90% |
| 4 Year |
13.50% / 13.62% |
13.25% / 13.37% |
• APR - Annual Percentage Rate, based on a $5,000 loan amount,
unless otherwise noted.
• CME - Change Made Easy earns .25% discount on rate. Share
Draft must remain active for the life of the loan.
• ALP - Existing Members earn .25% discount on rate with
Automatic Loan Payment.
• $500 Minimum Loan / $5000 Maximum Loan
• $10 Application Fee |
|
|
| "Signature" Personal Line of Credit |
|
|
|
| Minimum Loan |
Maximum Loan |
Term |
Rate |
APR |
| None |
$5,000.00 |
Revolving |
9.50% |
9.50% |
• APR - Annual Percentage Rate, based on a $5,000 loan amount,
unless otherwise noted.
• No application fee! No annual fee!
|
| |
