Rates

Here you will find our current and most up-to-date listings of in-house financial rates. Inquiries about mortgage rates must be made by phone or e-mail at this time, due to the daily changing nature of such rates. In the future, we hope to offer theses changing rates daily. This is something we are working on. Once we know this is possible, you will be the first to find out, so check back often!

Consumer Loan Rates

Effective Date: September 1, 2011

New/Used Auto Rates — Under 45,000 miles for Purchase or Refinance
(includes bikes 1200cc and over 72ci)

• Rates from 2.90 APR to 10.00 APR up to 36 months.
• Rates from 3.50 APR to 10.55 APR up to 48 months.
• Rates from 3.75 APR to 10.25 APR up to 60 months.
• Rates from 4.25 APR to 10.75 APR up to 72 months.
• Rates are based on individual financial history and if you take advantage of the discounts available.
• Longer financing may be available; Contact us for more information.

New/Used Auto Rates — Over 45,000 miles for Purchase or Refinance

• Rates from 3.15 APR to 10.25 APR up to 36 months.
• Rates from 3.75 APR to 10.40 APR up to 48 months.
• Rates from 4.00 APR to 10.50 APR up to 60 months.
• Rates from 4.50 APR to 10.75 APR up to 72 months.
• Rates are based on individual financial history and if you take advantage of the discounts available.

Used Auto Rates — As collateral for cash or debt consolidation

• Rates from 7.75 APR to 11.75 APR.
• Up to 60 months maximum, based on individual financial history and if you take advantage of the discounts available.

Classic Vehicles

• Up to 60 months: Rates from 6.25 APR to 10.25 APR.
• From 61 to 72 months: Rates from 6.75 APR to 10.75 APR.
• Based on individual financial history and if you take advantage of the discounts available.

Signature / Unsecured Loans

• Based on individual financial history and Income.
• Up to $5000 for as long as 48 months: Rates from 12.00 APR to 16.00 APR.
• Time notes, up to $5000 unsecured: Rates from 18.00 APR.

Snowmobiles, ATVs, Personal Watercraft, Computers, Tractors, Motorcycles (under 1200 CCs), Campers, Small Boats & Travel Trailers

• Up to 36 months from 2.90 APR
• Up to 60 months from 3.90 APR
• Based on individual financing history

Large Boats, Motor Homes, 5th-wheels, Large Tractors, & Travel Trailers

• Up to 60 months: 3.90 to 10.25 APR
• 61 to 84 months: 4.95 to 10.75 APR
• 85 to 120 months: 7.00 to 12.00 APR
• Based on individual financing history

Home Equity & In-house Mortgage Rates

Effective Date: September 1, 2011

Home Equity Loans

• 4.90% Floor Rate if LTV is less than 70%
  Rate will adjust to current prime rate minus .50% when opened, and then quarterly
• 4.90% Floor Rate if LTV is less than 80%
  Rate will adjust to current prime rate when opened, and then quarterly
• 5.90% Floor Rate if LTV is between 80% and 90%
  Rate will adjust to current prime rate plus 1.00% when opened, and then quarterly

LTV = Loan to Value = Loan amount divided by appraisal amount

Rates based on individual financing history.
Construction loans at 6.75% APR

Share Account and Certificate Rates

Effective Date: November 8, 2011

(APY – Annual Percentage Yield, APR – Annual Percentage Rate)

CD Rates

Effective Date: December 5, 2011

* Minimum deposit $1000.00; children under 18 years of age and college students, minimum deposit $500.00.

† 24 Month CD has the ability to adjust rates once per year during its term.

‡ 36 Month CD has the ability to adjust rates once per year during its term.

Money Market Rates

Effective Date: August 24, 2011