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| Effective as of 01/15/2008 |
Vehicle Loans
|
| Type |
Term |
Minimum Amount |
APR1 as low as... |
Tools |
| Regular |
Commitment |
New Auto & Auto Equity
Up to 120% financing |
Up to 36 months |
None |
6% |
5.9% |
|
| 37 to 66 months |
None |
6.5% |
6.4% |
| 67 to 72 months |
$10,000 |
6.5% |
6.4% |
| 73 to 84 months |
$20,000 |
6.5% |
6.4% |
Used Auto & Auto Equity
(1999 or newer)
Up to 115% of Blue Book |
Up to 36 months |
None |
6% |
5.9% |
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| 37 to 66 months |
None |
6.5% |
6.4% |
| 67 to 72 months |
$10,000 |
6.5% |
6.4% |
| 73 to 84 months |
$20,000 |
6.5% |
6.4% |
Older Used Auto
(1995-1998)
Up to 100% of Blue Book
|
Up to 60 months |
None |
9% |
8.9% |
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Boats, Motor Homes, Travel Trailers
New & Used
(2002 or newer) |
60 months |
Up to $14,999 |
9% |
8.9% |
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| 72 months |
$15,000 - $24,999 |
9% |
8.9% |
| 73-120 months |
$25,000+ |
9% |
8.9% |
Motorcycle
New & Used
(2002 or newer) |
Up to 60 months |
Up to 100% of purchase price/retail value |
9% |
8.9% |
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Credit Cards
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| Type |
Amount |
Term |
APR as low as... |
| Regular |
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Visa Gold
|
$5,000 - $50,000 |
Fixed |
8.9%2 |
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Visa Classic
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$300 - $5,000 |
Fixed |
14.9% |
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MasterCard
|
$300 - $50,000 |
Variable |
11.15% |
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Secured Loans
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| Type |
Term |
Maximum Amount |
APR1 as low as... |
| Regular |
Commitment |
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Certificate-Secured
|
Due upon maturity |
Equal to certificate |
Equal to the rate you are receiving on the certificate pledged as security at
the time the loan is obtained, plus 2.25% |
|
Savings-Secured
|
Up to
120 months |
Equal to savings |
5.1% |
5% |
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Stock-Secured
|
Up to
120 months |
Up to 80% of stock value |
10.5% |
10.4% |
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Other Loans
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| Type |
Term |
Amount |
APR1 as low as... |
Tools |
| Regular |
Commitment |
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Computer
|
Up to
24 months |
Up to
$2,500 |
8.9% |
8.8% |
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Debt Consolidation
|
Up to
60 months |
Up to
$25,000 |
16.15% |
16.05% |
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Pay Day
Line of Credit
|
Open-ended |
Up to $750 |
17.9% |
17.8% |
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Signature Loan
|
Up to
84 months |
Up to
$25,000 |
15.15% |
15.05% |
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Signature
Line of Credit
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Open-ended |
Up to
$25,000 |
15.15% |
15.05% |
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Note: Rates subject to credit approval and can change weekly. Rates can be .10% to 13.60% higher depending on repayment term selected, credit qualifications, and account relationship.
1 - Commitment Household members qualify for .10% (10 Basis Points) discount from the regular rate on consumer loans except credit cards and mortgage loans.
2 - If you are an existing Visa Gold cardholder, you can lower your rate to as low as 8.9% APR by increasing your balance by at least $1,000, either through purchases or cash advances.
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Equal Housing Lender