Loan Rates

New Auto Loans

Loan TypePercentage RateTermsAdditional Info
New Vehicle 2011-2012 as low as 2.99% 36 months 100% of Purchase Price
New Vehicle 2011-2012 as low as 3.29% 48 months 100% of Purchase Price
New Vehicle 2011-2012 as low as 3.49% 60 months 100% of Purchase Price
New Vehicle 2011-2012 as low as 3.99% 72 months 100% of Purchase Price

Used Auto Loans

Loan TypePercentage RateTermsAdditional Info
Used Vehicle Model Years 2006-2010 as low as 3.99% 36 months 100% of Average Kelley Blue Book - An additional 1% is added to APR for model years 2002-2005
Used Vehicle Model Years 2006-2010 as low as 4.49% 48 months 100% of Average Kelley Blue Book - An additional 1% is added to APR for model years 2002-2005
Used Vehicle Model Years 2006-2010 as low as 4.99% 60 months 100% of Average Kelley Blue Book - An additional 1% is added to APR for model years 2002-2005
Used Vehicle - Refinance with Cash Out as low as 4.99% 60 months 5 Model Years Old or Less
Used Vehicle - Refinance with Cash Out as low as 5.99% 36 months Over 5 Model Years Old
First Time Buyer (New and Used Vehicles) as low as 7.99% 60 months 100% of Average Kelley Blue Book

Credit Cards

Loan TypePercentage RateTermsAdditional Info
Visa Classic 8.24* Default APR: 13.25%** See Below for additional details
Secured Visa Classic 8.24* Default APR: 13.25% Min loan amount $300

Home Equity Loans

Loan TypePercentage RateTermsAdditional Info
Home Equity Line of Credit As low as Prime +1.00% up to 180 months up to 80% LTV
Home Equity Loan As low as 6.00% up to 120 months up to 80% LTV

Unsecured/Other Loans

Loan TypePercentage RateTermsAdditional Info
Signature Loan As low as 11.00% up to 36 months Max Loan Amount $5000
Overdraft Line of Credit As low as 15.00% Overdraft protection for checking account Max Loan Amount $5000
Savings Secured Margin of 3.00% above Share Dividend Rate up to 120 months Min Loan Amount $500
CD Secured Margin of 3.00% above CD Dividend Rate up to 120 months Min Loan Amount $1000

Recreational Vehicles

Loan TypePercentage RateTermsAdditional Info
Used Boats As low as 8.25% up to 60 Months Finance up to 80% of N.A.D.A. Value Maximum 5 Model Years Old
New Boats As low as 7.25% up to 72 months Finance up to 80% of Purchase Price
Used RV/Motorcycles As low as 9.00% up to 60 months Finance up to 80% of N.A.D.A .Value
New RV/Motorcycles As low as 8.00% up to 60 months Finance up to 80% of Purchase Price
Consumer Loan Disclosures:
  
APR: Annual Percentage Rate
 
Rates above assume a credit score of 701 or higher.

DISCOUNTED RATE*: Discounted rate assumes direct deposit/ACH, automatic payment, STAR checking account and eStatements. A rate increase of .25% will be added for each stipulation above if not met. Your Annual Percentage Rate may vary depending on your creditworthiness, loan term and loan-to-value ratio. Discounts for automatic payment may not apply to 'Promotions' and loan 'Specials'. Please ask a loan officer for details regarding how your rate is determined. 

MINIMUM PAYMENT: The amount and due date of your payment will be established at the time of each advance.
 

SHARE SECURED: The APR for share secured advances will be a margin of 3.00% above the savings account rate.  If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR. The rates are subject to change on the first day of each month to reflect any change in the index. Any increase in the APR will take the form of higher payments until what you owe has been repaid.

CERTIFICATE SECURED: The APR will be dividend rate being paid on the certificate offered as security (index) plus the percentage shown in the APR column below. The APR will be disclosed on the Disbursement Receipt at the time of the advance.

LATE CHARGES: If you are more than 10 days late in making your payment, you will be assessed a late charge.


Visa Credit Card Disclosures:


Billing Cycle:
You have 26 days to repay your balances for purchases before a finance charge will be imposed

Courtesy Period: You have 5 days from your scheduled payment date to make your payment before a late fee is assessed.

Balance calculation method for Purchaces: Average Daily Balance including new purchases

Annual Fee: NONE

Balance Transfer Fee: NONE

Tranaction Fees:

  • Cash Advance Fee: 4% of transaction amount
  • Late Payment Fee: $7.00

Foreign Transactions: 1% of the transaction amount.


* The "Prime Rate" Index as published in the Money Rates Table of the Wall Street Journal. The Annual Percentage Rate may change on January 15 and July 15 of each year. The interest rate will be Prime (3.25% as of June 1, 2010) plus 4.99%.

**Default Rates will occur whenever the minimum monthly payment shown on your statement is received late (5 days or more after the scheduled payment date shown on your monthly statement) more than 3 times during a one year period on your Visa Account. The interest rate will be Prime (3.25% as of June 1, 2010) plus 10%. (See Visa Agreement for details)



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