|
Description
|
Compounded
|
APR
|
APY
|
|
90 Day*
|
N/A
|
2.00%
|
2.00%
|
|
$500 Minimum. Loss of interest penalty for early withdrawal.
|
|
6 Month*
|
N/A
|
2.30%
|
2.30%
|
|
$500 Minimum. One withdrawal with no penalty - all subsequent
withdrawals incur a 90 day interest penalty.
|
|
6 Month*
|
N/A
|
3.00%
|
3.00%
|
|
$500 Minimum. Early withdrawal penalty = 90 days interest earned or not.
|
|
12 Month*
|
Quarterly
|
3.20%
|
3.24%
|
|
$1,200 Minimum. Early withdrawal penalty = 90 days interest earned or not.
|
|
18 Month*
|
Quarterly
|
2.90%
|
2.93% |
|
$1,800 Minimum. Early withdrawal penalty = 90 days interest earned or not.
|
|
24 Month*
|
Quarterly
|
3.16%
|
3.20%
|
|
$2,000 Minimum. Early withdrawal penalty = 90 days interest earned or not.
|
|
30 Month*
|
Quarterly
|
3.10%
|
3.14%
|
|
$2,000 Minimum. Early withdrawal penalty = 90 days interest earned or not.
|
|
36 Month*
|
Quarterly
|
3.55%
|
3.60%
|
|
$2,000 Minimum. Early withdrawal penalty = 90 days interest earned or not.
|
|
Description
|
Term
|
Rate
|
|
Share Secured
|
Up to 60 mos.
over 60 mos.
|
Fixed
Adjustable
|
2.0% Above
Share Rate
|
|
Secured by the Share Account.
|
|
Certificate Secured
|
Must be paid or refinanced at maturity.
|
Fixed
|
2.0% Above
Cert. Rate
|
|
Secured by the Term Share Certificate.
|
|
Signature Loans
|
Up to 48 mos.
|
Base
|
13.00%
|
|
Pop Loan Line of Credit
|
48 mos.
|
Base
|
13.00%
|
|
Rates will be quoted using the base rate however you may be offered a lower or
higher rate depending on your credit history.
|
|
New Cars, Trucks, Vans (Never titled-less than 15,000 miles)
|
Up to 72 mos.
Up to 60 mos.
Up to 48 mos.
|
Base
Base
Base
|
8.00%
7.75%
7.25%
|
|
100% of actual purchase price over $25,000.
|
|
Used Cars, Trucks, Vans (Has been titled or over 15,000 miles)
Over 5 years old -
|
Up to 60 mos.
Up to 48 mos.
36 mos.
|
Base
Base
Base
|
7.75%
7.25%
7.75%
|
|
100% of NADA Average Retail or Purchase Price (whichever is less)
over $15,000 or less than 1 year old over $10,000 or 1 to 5 years old
over 5 years old.
|
|
New Camper Trailers, Piggyback Camper Units, Motor Homes
|
Up to 60 mos.
Up to 48 mos.
|
Base
Base
|
8.75%
8.50%
|
|
90% of NADA Average Retail or Purchase Price (whichever is less).
|
|
Used Camper Trailers, Piggyback Camper Units, Motor Homes
|
Up to 48 mos.
|
Base
|
9.25%
|
|
90% of NADA Average Retail or Purchase Price (whichever is less).
|
|
New Motorcycles, Watercraft, Other Rec. Vehicles
|
Up to 60 mos.
Up to 48 mos.
|
Base
Base
|
9.25%
9.00%
|
|
90% of NADA Average Retail or Purchase Price (whichever is less).
|
|
Used Motorcycles, Watercraft, Other Rec. Vehicles
|
Up to 48 mos.
Up to 36 mos.
|
Base
Base
|
9.75%
9.50%
|
|
90% of NADA Average Retail or Purchase Price (whichever is less)
|
|
New Farm and Yard Equipment
|
Up to 36 mos.
|
Base
|
9.75%
|
|
90% of NADA Average Retail or Purchase Price (whichever is less)
|
|
Used Farm and Yard Equipment
|
Up to 36 mos.
|
Base
|
10.25%
|
|
90% of NADA Average Retail or Purchase Price (whichever is less)
|
|
New Major Appliances and Personal Computers
|
Up to 36 mos.
|
Base
|
10.75%
|
|
90% of Purchase Price Plus Sales Tax.
|
|
First Mortgage
|
Up to 20 yrs.
Up to 15 yrs.
Up to 8 yrs.
Up to 5 yrs.
|
Fixed
Fixed
Fixed
Fixed
|
6.25%
6.00%
5.75%
5.75%
|
|
80% to 97% based on funding resources and availability.
|
|
Unimproved Property
|
Up to 15 yrs.
Up to 8 yrs.
Up to 5 yrs.
|
Fixed
Fixed
Fixed
|
6.50%
6.25%
5.75%
|
|
80% of Appraised Value or Purchase Price (whichever is less).
|
|
Second Mortgage
|
Up to 15 yrs.
Up to 5 yrs.
|
Fixed
Fixed
|
8.00%
7.75%
|
|
80% of Appraised Value or Purchase Price (whichever is less). If we
hold the 1st Mortgage, then the 2nd Mortgage rate is the same as the
1st Mortgage offering rate.
|
|
Home Equity
|
Up to 15 yrs.
|
Variable
Fixed
|
7.00%
|
|
11th District COF + 3.00%.
|
