Loan Rates
| Automobile and Motorcycles | |||
| Effective Date: Friday, December 9th, 2022 | |||
| Category | Year(s) | Term | APR (Annual Percentage Rate) based on as low as |
| Automobile special | 2020- 2023 | Up to 61 Months | 4.49% APR |
Automobile |
2020 - 2023 | 62 to 73 Months | 5.00% APR |
Automobile |
2020 - 2023 | 74 to 84 Months | 5.50% APR |
Automobile |
2015 - 2019 | Up to 61 Months Months | 4.75 % APR |
Automobile |
2015 - 2019 | 62 to 73 Months Months | 5.25% APR |
Automobile |
2012 - 2014 | Up to 61 Months | 5.25% APR |
Automobile |
2012 - 2014 | 62-73 Months | 5.50% APR |
| Automobile | 2011 & Older | Up to 61 Months | 6.00% APR |
| *Annual Percentage Rate. **Apply to purchases only. | |||
| Motorcycle | Titled | Up to 61 Months | 5.25% APR |
| Motorcycle | Titled | 73 months | 5.50% APR |
| Boat, Motor Home, and Other RV Loans | ||
| Effective Date: Friday, December 9th, 2022 | ||
| Category | Term | APR (Annual Percentage Rate) Based on as low as |
| Boats, Motor Homes & Trailers* | Up to 61 Months | 5.00% APR |
Boats, Motor Homes & Trailers* |
Up to 73 Months | 5.25% APR |
Boats, Motor Homes & Trailers* |
74-144 Months | 6.00% APR |
| Other RV Titled* | Up to 61 Months | 5.50% APR |
| CD Secured Loan | For 60 Mos. All Tiers | 2.99% APR over like term CD rate |
| *Annual Percentage Rate | ||
| Signature Loans | |||
| Effective Date: Friday, December 9th, 2022 | |||
| Signature Loan | Term | APR (Annual Percentage Rate) Based on as low as | Example Payment (on $1,000) |
| Signature Loan | 14-25 Months | 7.50% APR | |
| Signature Loan | 26-43 Months | 8.25% APR | |
| Signature Loan | 44-60 Months | 9.25% APR | |
| *Annual Percentage Rate | |||
| Holiday Loan | 13 Months | 5.99% APR | |
| Home Equity Loan Rates | ||
| Effective Date: Friday, December 9th, 2022 | ||
| Category | Term | APR (Annual Percentage rate) rates as low as |
| Home Equity (Fixed) Up to 95% LTV | 60 Months | 5.25% APR |
| Home Equity (Fixed) Up to 90% LTV | 120 Months | 6.25% APR |
| *Annual Percentage Rate APR based on $100,000 loan amount. credit score of 730, and estimated cost of $900 in closing fees | ||
| Home Equity (LOC) 6.00% Floor | 180 Months | 6.00% APR |
15 Year Fixed 80.01-95.00% LTV is for purchases and no cash out references. 30 Year Fixed requires 20%down payment and is for purchase only. | ||
| First Mortgage Rates | ||
| Effective Date: Friday, December 9th, 2022 | ||
| Term | Interest Rate | APR (Annual Percentage Rate) Rates as low as |
| 30 Year Fixed | Please call | Quote Daily |
| 20 Year Fixed | Please call | Quote Daily |
15 Year Fixed* |
4.75% APR | Quote Daily |
| 10 Year Fixed | 4.50% APR | Quote Daily |
| 15 Year Balloon | 5.625% APR | Quote Daily |
| 10 Year Balloon | 5.50% APR | Quote Daily |
| Rates are based Loan To Value (LTV) of 80% For rates on higher LTV's, please contact a loan officer. Interest rate example assume primary residence, esitimated closing cost of $1,200.00. | ||
| APR based on $100,000 loan amount. | ||
| Credit Cards | ||
| MasterCard Classic | MasterCard Gold | |
| Annual Percentage Rate (APR) for Purchases | 8.99% APR | 8.99% APR |
| Other APRs (Annual Percentage Rate) | ||
| - Balance Transfer APR (Annual Percentage Rate) | 8.99% APR | 8.99% APR |
| - Cash Advance APR (Annual Percenatge Rate) | 8.99% APR | 8.99% APR |
| - Penalty APR (Annual Percentage Rate) | 8.99% APR | 8.99% APR |
| Variable Rate Information | Your APR (Annual Percentage Rate) will not vary | Your APR (Annual Percentage Rate) will not vary |
| Grace Period for repayment of balances for purchases | 25 days on average | 25 days on average |
| Method of computing the balance for purchases | Average daily balance (including new purchases) | Average daily balance (including new purchases) |
| Annual Fee | None | None |
| Minimum finance charge | None | None |
| Transaction fee for cash advances | 0 | 0 |
| Balance transfer fee | 0 | 0 |
| Late payment fee charged on the 10th day | $25.00 | $25.00 |
All Rates Quoted "As Low As"
APR = Annual Percentage Rate