| Loans | Savings | Certificates
|
PLEASE NOTE!
We participate in "Risk Based Lending". This is a rate determining process whereby the rate you receive on your loan will be assigned to you based on your credit rating (Beacon Score).
Payment Example: $1000 at 5.25% for 5 years = $18.99
Below is a detailed list of our Risk Based rates.
ADVANTAGE ONE RATES 1/2% LESS
(Deduct 1/2% OFF Listed rate!)
If you have an active checking account and Direct Deposit (Net Pay)
then you are
ADVANTAGE ONE!
Rates Effective November 1, 2008
|
New Auto, Truck or Van
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| 24 - 36 Months |
4.25 |
4.50 |
5.50 |
6.75 |
8.00 |
New Auto, Truck or Van
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| 48 - 60 Months |
4.50 |
4.75 |
5.75 |
7.00 |
8.25 |
New Auto, Truck or Van
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| 72 - 84 Months |
5.00 |
5.25 |
6.25 |
7.50 |
8.75 |
Used Auto, Truck or Van - 2002 & Newer
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| Up to 60 Months |
5.50 |
5.75 |
6.75 |
8.00 |
9.25 |
Used Auto, Truck or Van - 2001 & Older
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| Up to 60 Months |
5.75 |
6.00 |
7.00 |
8.25 |
9.50 |
New Boats, Motorcycles & Campers
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| Up to 60 Months |
6.25 |
6.50 |
7.50 |
8.75 |
10.00 |
Used Boats, Motorcycles & Campers
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| Upt to 60 Months |
6.75 |
7.00 |
8.00 |
9.25 |
10.50 |
FHA Home Improvement Loan
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| 1 - 5 Years |
5.00 |
5.25 |
6.25 |
7.50 |
8.75 |
FHA Home Improvement Loan
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| 6 - 10 Years |
5.50 |
5.75 |
6.75 |
8.00 |
9.25 |
2nd Mortgage Loan
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| 1 - 5 Years |
5.00 |
5.25 |
6.25 |
7.50 |
8.75 |
2nd Mortgage Loan
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| 6 - 10 Years |
5.50 |
5.75 |
6.75 |
8.00 |
9.25 |
Home Equity Line Of Credit (HELOC)
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
|
VARIABLE RATE
PLEASE NOTE - NO DISCOUNT FOR ADVANTAGE 1
|
3.25 |
3.50
|
4.00 |
7.00 |
8.50 |
|
B = PRIME RATE - ALL RATES ADJUSTED QUARTERLY TO PRIME
|
Signature Loan
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| Up to 5 Years |
9.75 |
10.75 |
13.25 |
14.50 |
15.75 |
Vacation/Christmas Loans
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| Up to 12 Months |
9.50 |
10.50 |
13.00 |
14.25 |
15.50 |
Computer Loans
| Credit Rating |
A+
APR* |
A
APR* |
B
APR* |
C
APR* |
D
APR* |
| 1 - 3 Years |
7.75 |
8.25 |
10.75 |
12.00 |
13.25 |
ADVANTAGE ONE RATES 1/2% LESS (Deduct 1/2% OFF Listed rate!)
If you have an active checking account and Direct Deposit (Net Pay)
then you are
ADVANTAGE ONE!
VISA, Overdraft Protection, HELOC & Share and Certificate Secured loans do not qualify for Advantage 1 discount
We also offer Share and Certificate Secured Loans at unbelievable rates!
All Rates subject to change without notice! |
| Loans |
Rate |
APR* |
Term |
|
| Overdraft Protection Loans |
17.00 |
17.00 |
48 |
Calculator |
| Educational Loans |
13.50 |
13.50 |
36 |
Calculator |
| Visa Associates $35.00 Annual Fee |
9.99 |
9.99 |
n/a |
|
| VISA Advantage 1 - NO ANNUAL FEE |
12.50 |
12.50 |
n/a |
Calculator |
| VISA - Classic $10.00 Annual Fee |
15.90 |
15.90 |
n/a |
Calculator |
| All Rates Subject to Change Without Notice! |
| Savings |
Dividend Rate |
APY* |
Term |
| Regular Shares (Savings) |
.25 |
.25 |
n/a |
|
Money Market Account $2,500.00 - $9,999.99
|
.75
|
.75
|
n/a
|
|
Money Market Account $10,000.00 - 49,999.99
|
1.00 |
1.00 |
n/a |
| Money Market Account $50,000.00 & Over |
1.24 |
1.25 |
n/a
|
| IRA Savings Account |
.25 |
.25 |
n/a |
APR = Annual Percentage Rate
APY = Annual Percentage Yield
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|
| All Rates Subject to change Without Notice! |
| Certificates |
Dividend Rate
|
APY* |
Term |
| Share Certificate |
2.23 |
2.25 |
6 |
| Share Certificate |
2.97 |
3.00 |
12 |
| Share Certificate |
2.72 |
2.75 |
24 |
| Share Certificate |
2.72 |
2.75 |
36 |
| Share Certificate |
2.72 |
2.75 |
48 |
| Share Certificate |
2.72
|
2.75 |
60 |
| IRA Share Certificate |
2.97 |
3.00 |
12 |
| IRA Share Certificate |
2.72 |
2.75 |
24 |
| IRA Share Certificate |
2.72 |
2.75 |
36 |
| IRA Share Certificate |
2.72 |
2.75 |
48 |
| IRA Share Certificate |
2.72 |
2.75 |
60 |
APR = Annual Percentage Rate
APY = Annual Percentage Yield
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|
Risk-Based |
