Loan Rates

Rates Effective March 8, 2010Rates 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	2.0% above the rate that is paid on the certificate that secures the loan. Rate on loan will change if the rate on the certificate changes.
Share Secured (Type A)	Up To 36 Months 3.50%
	48 To 60 Months 4.00%
Cars, Trucks, Vans, Motorcycles
New - 2009 & 2010	12 To 60 Months 4.50%   72 Months As Low As 5.25
Used - 2003 thru 2008	12 To 60 Months As Low As 4.50%
Used - 8 Years &	Up To 48 Months As Low As 7.75%
Older Luxury & Classic Vehicles	Up To 60 Months As Low As 7.75%
Earn 10 Basis Points for direct deposit with loan payment transfer & 10 Basis Points for a checking account
Boats, Tractors, ATVs, Travel Trailers, Campers (mobile homes can only be done as fixed rate HEL)
New - 2010, 2009 & 2008	Up To 60 Months As Low As 6.20%
Used - 2007, 2006 & 2005	Up To 48 Months As Low As 7.20%
Used - Over 6 Years	Up To 48 Months As Low As 8.20%
DEDUCT .10 BASIS POINTS FOR DIRECT DEPOSIT WITH LOAN PAYMENT TRANSFER & 10 BASIS POINTS FOR A CHECKING ACCOUNT...CREDIT SCORES A & B UP TO 60 MONTHS
Other Secured Loans/New Furniture, Appliances, Computers, Lownmowers, Etc.
	Up To 48 Months As Low As 6.70%
DEDUCT .10 BASIS POINTS FOR DIRECT DEPOSIT WITH LOAN TRANSFER AND .10 BASIS POINTS FOR A CHECKING ACCOUNT...MINIMUM PAYMENT $200
Personal Loans Unsecured
	Up To 60 Months As Low As 9.20%
DEDUCT .10 BASIS POINTS FOR DIRECT DEPOSIT WITH LOAN TRANSFER AND .10 FOR A CHECKING ACCOUNT...MINIMUM PAYMENT $200
Fixed Rate Home Equity Loans
Closed End	Up To 60 Months As Low As 5.75%   Up To 84 Months As Low As 6.00%   Up To 120 Months As Low As 6.75%
Earn 50 Basis Points on your rate for having direct deposit. Type E - 1st Mortgage. Type N - 2nd Mortgage.
*APR Is The Annual Percentage Rate. TOP