Loan Rates

Rates Effective August 27, 2010 Rates subject to change without notice.

Collateral Values
1) If the collateral is more than 5 years old, consider the need for it to be examined;
2) If the value of a vehicle is not in the NADA (such as used current yr models) value at sticker less 3%;
3) If the loan is refinanced with new money, the value is NADA retail less 5%.

*** New or used vehicles for a new loan (including a vehicle which was formerly leased or on a program) are valued at NADA retail plus the following:

Account Type Term APR*
Share Certificate Secured	Up to 36 Months 3.50% 48 to 60 Months 4.00% 72 Months 5.00%
Share Secured (Type A)	Up To 36 Months 3.50%
	48 To 60 Months; 72 Months 4.00%; 5.00%
Cars, Trucks, Vans, Motorcycles
New & Used - 2008 - 2011	12 To 60 Months Starting at 4.00%   72 Months (2010 & 2011) Starting at 4.75%
Used - 2007	12 To 60 Months Starting at 5.00%
Used - 2004, 2005, 2006	Up To 60 Months Starting at 6.00%
8 Yrs and older/Classic/Luxury	Up To 60 Months Starting at 7.75%
Deduct .50 bp for the following...share draft account...automatic deposit with loan transfer
Boats, Tractors, ATVs, Travel Trailers, Campers (mobile homes can only be done as fixed rate HEL)
New -2009 thru 2011	Up To 72 Months Starting at 6.20%
Used - 2008 thru 2006	Up To 48 Months Starting at 7.20%
Used - Over 6 Years	Up To 48 Months Starting at 8.20%
Deduct .50 bp for share draft, auto deposit w/transfer. 72 month term applies to A & B credit scores only
Other Secured Loans/New Furniture, Appliances, Computers, Lownmowers, Etc.
	Up To 48 Months Starting at 6.70%
Deduct .50 bp for share draft account, automatic deposit with transfer
Personal Loans Unsecured
	Up To 60 Months Starting at 9.20%
Deduct .50 bp for share draft account, automatic deposit with transfer
Fixed Rate Home Equity Loans
Closed End	Up To 60 Months Starting at 4.50%   Up To 84 Months Starting at 5.00%   Up To 120 Months Starting at 5.50%
HELOC Loans   Up To 120 Months 4.00%   *APR Is The Annual Percentage Rate. TOP