| New Auto / RV / Boat (Model Years 2004 - 2006 Purchase Or Refinance) |
| Term of Loan |
Annual Percentage Rate |
| 24 months |
4.50% to 9.50% |
| 36 months |
4.75% to 9.75% |
| 48 months |
5.00% to 10.00% |
| 60 months |
5.25% to 10.25% |
| 72 months ($20,000 and more) |
5.75% to 10.75% |
| 72 - 144 Months (New RV Only) |
7.00% to 12.00% |
|
| Sport Craft (Off Road Or Sport Water Craft) |
|
.50% over new or used auto rates |
|
|
Used Auto / RV / Boat (Model Years 2000 - 2003 Purchase Or Refinance) |
| Term of Loan |
Annual Percentage Rate |
| 24 months |
5.25% to 10.25% |
| 36 months |
5.50% to 10.50% |
| 48 months |
5.75% to 10.75% |
| 60 months ($15,000 and more) |
6.00% to 11.00% |
| 72 - 84 months (Used RV only) |
7.50% to 12.50% |
|
Used Auto / RV / Boat (Model Years 1999 and Earlier Purchase Or Refinance) |
| Term of Loan |
Annual Percentage Rate |
| 24 months |
6.25% to 11.25% |
| 36 months |
6.50% to 11.50% |
| 48 months |
6.75% to 11.75% |
| 60 months ($15,000 Minimum) |
6.75% to 11.75% |
| Models older than 1995 to be reviewed by Loan Officer |
|
| Signature Loan - (maximum of three months of gross salary) |
| Term of Loan |
Annual Percentage Rate |
| 12 months |
7.99% to 12.99% |
| 18 months |
8.75% to 13.75% |
| 24 months |
9.00% to 14.00% |
| 36 months |
9.25% to 14.25% |
| 48 months |
9.50% to 14.50% |
| 60 months (A or B rating only) |
10.50% to 15.50% |
|
| Share Secured Loan |
| Approximate Term |
Annual Percentage Rate |
| Varies |
3.00% above the security rate |
|
| Home Improvement Loan |
| Term of Loan |
Annual Percentage Rate |
| 36 months |
8.00% to 13.00% |
| 48 months |
8.25% to 13.25% |
| 60 months |
8.75% to 13.75% |
| 120 months |
9.50% to 14.50% |
|
| Higher Education Loan |
| Term of Loan |
Annual Percentage Rate |
| 6 months |
5.00% to 10.00% |
| 12 months |
5.50% to 10.50% |
| 36 months |
6.00% to 11.00% |
| 48 months |
6.50% to 11.50% |
| Members Choice Home Equity - 80% LTV |
| Term of Loan |
Annual Percentage Rate |
| 6 months |
4.00% for 6 months then Prime - .75% |
| Variable Rate Home Equity Line of Credit - 90% LTV |
| Approximate Term |
Annual Percentage Rate |
| Line of Credit |
@ Prime Rate + .25% |
|
| Fixed Rate Second Mortgage - 80% LTV |
| Term of Loan |
Annual Percentage Rate |
| 5 years |
5.50% to 10.50% |
| 10 years |
6.25% to 11.25% |
| 15 years |
6.50% to 11.50% |
| 20 years |
6.50% to 11.50% |
| Fixed Rate Second Mortgage - 90% LTV |
| Term of Loan |
Annual Percentage Rate |
| 5 years |
6.50% to 11.50% |
| 10 years |
7.25% to 12.25% |
| 15 years |
7.50% to 12.50% |
| 20 years |
8.00% to 13.00% |
|
|
Visa Gold Credit Card
|
9.90% Fixed APR*
New Rate effective 7/1/08
10.90% APR* |
|
Introductory Rate of 6.90% APR* for 6 months.
New Introductory Rate effective 7/1/08 7.90% APR* for 6 months. |
| Visa Classic Credit Card |
12.90% Fixed APR*
New Rate effective 7/1/08
13.90% APR* |
|
Introductory Rate of 9.90% APR* for 6 months.
New Introductory Rate effective 7/1/08 10.90% APR* for 6 months. |
| Overdraft Protection |
| Approximate Term |
Annual Percentage Rate |
| $48 / Month if a balance is present |
13.50% |
