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Loan Rates

Rates Effective July 1, 2009.  Rates Subject To Change Without Notice.

GRADE
A
B
C
D
E
RISK SCORE
700+
650-699
600-649
550-599
549 Or Less
New & Used Vehicles 2005 - 2010
Annual Percentage Rate
Secured 36 Months
4.65%
5.65%
7.15%
9.65%
14.65%
Secured 48 Months
4.90%
5.90%
7.40%
9.90%
14.90%
Secured 60 Months
5.15%
6.15%
7.65%
10.15%
15.15%
Secured 72 Months
5.60%
6.60%
8.10%
Not Eligible
Not Eligible
Used Vehicles 2000- 2004
Annual Percentage Rate
Secured 36 Months
6.35%
7.35%
8.85%
11.35%
16.35%
Secured 48 Months
6.85%
7.85%
9.35%
11.85%
16.85%
Used Vehicles 1990 - 1999
Annual Percentage Rate
Secured 36 Months
6.85%
7.85%
9.35%
11.85%
16.85%
New Household Goods: Furniture & Computers
Annual Percentage Rate
36 Months
7.75%
8.75%
10.25%
12.75%
17.75%
Signature
Annual Percentage Rate
36 Months
8.00%
9.00%
10.50%
13.00%
18.00%
Line Of Credit
Annual Percentage Rate
36 Months
7.50%
8.50%
10.00%
Not Eligible
Not Eligible
Share Secured Loans
Annual Percentage Rate
  
2% Above Dividend Rate On Shares Secured At Time Of Loan.
Credit Card
Annual Percentage Rate
Without A Check Card
13.90%
       
With A Check Card
9.90%
       

Rewards:

Reduce their rate  by 0.25% for every 10% extra they pay down on a vehicle up to a maximum 0.50%. 

NOTE: Guidelines and rates are reviewed on a monthly basis and are to change without notice.  All loans subject to approval.  Rates are based on qualifying factors and are on approved credit.

 
         
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