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    Loan Rates

    Rates Effective October 16, 2008

     
     
    NEW AUTO LOANS
    Relationship Pricing*
    Standard Pricing
    6 - 36 months
    		 as low as*
    4.25% A.P.R.
    5.25% A.P.R.
    37 - 48 months
    		 as low as*
    4.50% A.P.R.
    5.50% A.P.R.
    49 - 60 months
    		 as low as*
    4.75% A.P.R.
    5.75% A.P.R.
    61 - 72 months
    		 as low as*
    5.25% A.P.R.
    6.25% A.P.R.
     
    USED AUTO LOANS
    Relationship Pricing*
    Standard Pricing
    6 - 36 months
    		 as low as*
    4.95% A.P.R.
    5.95% A.P.R.
    37 - 48 months
    		 as low as*
    5.45% A.P.R.
    6.45% A.P.R.
    48 - 60 months
    		 as low as*
    5.95% A.P.R.
    6.95% A.P.R.
    61 - 66 months
    		 as low as*
    6.45% A.P.R.
    7.45% A.P.R.
     
    OTHER SECURED COLLATERAL
    Relationship Pricing*
    Standard Pricing
    New and Used Boats, Snowmobiles, Motor Homes, ATVs and Motorcycles over 250cc
    Up to 120 months
    as low as*
    5.20% A.P.R.
    6.20% A.P.R.
    CLOSED-END SIGNATURE LOANS
    Relationship Pricing*
    Standard Pricing
    Up to 60 months
    as low as*
    8.90% A.P.R.
    9.90% A.P.R.
     
    REAL ESTATE LOANS
    Home Equity Line of Credit
    Rates as low as Prime - 1.00% A.P.R.
       
    Interest Only Home Equity LOC
    Rates as low as Prime - .50% A.P.R.
       
    Closed End Home Equity Loan (3 to 15 year terms available)
    Rates as low as 6.25% A.P.R.
       
    Closed-End Home Equity Loan (First Position, Owner Occupied)
    (3 to 15 year terms available) NEW!
    Rates as low as 5.625% A.P.R.
       
    Balloon Mortgage (3 to 10 year term w/30 year amortization)
    Rates as low as 6.75% A.P.R.
       
    Bridge Mortgage Loan (6 month term, w/ 6 month optional renewal)
    Prime + 2.00% A.P.R.
       
    First Mortgage Loan (Up to 30 year term)
    Rates vary daily
       
    Land Loan (Up to 12 year term)
    Rates as low as 7.25% A.P.R.
     
    OTHER LOAN TYPES
    Share Certificate Secured
    		 100% LTV 3% above the Certificate A.P.Y.
         
    Share Secured (up to 60 months)
    		 100% LTV 3% above the Tier 5 share A.P.Y.
         
    Personal Line of Credit
    		14.90% A.P.R.
         
    Overdraft Protection Line of Credit
    		14.90% A.P.R.
         
    VISA Platinum Credit Card
    		 as low as* Prime + 2.50% A.P.R.
     

     

     

    A.P.R. = Annual Percentage Rate
    A.P.Y. = Annual Percentage Yield

    *Individual loan rates may vary based upon credit worthiness, account relationships, LTV, and loan term.

    Rates subject to change without notice.
    All deposits are insured up to $250,000 by the N.C.U.A.
    IRA investments may be insured to $250,000 by the N.C.U.A.