Fee Schedule CERTIFICATE RATES SHARE RATES IRA CERTIFICATES LOAN RATES
Effective as of: August 21, 2024
| LOAN RATES | |||||
| CREDIT SCORE | Tier 1 | Tier 2 | Tier 3 | Tier 4 | Tier 5 |
| 781 > | 780-680 | 679-601 | 600-501 | 500 or lower | |
| New Auto 2025-2024 | 4.49% APR | 5.49% APR | 6.29% APR | 9.99% APR | 14.99% APR |
| 100% of Dealer Sticker (maximum term 72 months) | |||||
| Used Auto 2020-2023 | 4.75% APR | 5.85% APR | 7.09% APR | 10.99% APR | 14.99% APR |
| 100% of NADA value (maximum term 60 months) | |||||
| Used Auto 2019 or Older | 5.09% APR | 6.09% APR | 7.49% APR | 13.00% APR | 14.99% APR |
| 100% of NADA value (maximum term 36 months) | |||||
| Boats | 7.69% APR | 8.39% APR | 10.49% APR | 13.00% APR | 14.99% APR |
| New: max. term 72 months Used: max. term 48 months | |||||
| Motor Homes/ Travel Trailers | 8.19% APR | 8.99% APR | 10.99% APR | 12.99% APR | N/A |
| 80% LTV | 80% LTV | 70% LTV | 60% LTV | ||
| max. term 10 years on 2019-2025 5 year max. on older models | |||||
| Share Secured | 2.35% APR | 2.35% APR | 2.35% APR | 2.35% APR | 2.35 % APR |
| Regular Shares | |||||
| Certificate Secured | 3% over | 3% over | 3% over | 3% over | 3% over |
| Loan Term = CD Term | |||||
| Signature | 7.49% APR | 8.79% APR | 10.39% APR | 13.50% APR | 14.99 % APR |
| max. term 2 years | |||||
| Real Estate | 5.84% APR | 6.44% APR | 7.25% APR | APOR 1.49% | APOR 1.49% |
| 80% of Appraisal (Term 1-5 Years) | |||||
| Real Estate | 6.24% APR | 6.94% APR | 7.50% APR | APOR 1.49% | APOR 1.49% |
| 80% of Appraisal (Term 6-15 Years) | |||||
| Real Estate | 6.74% APR | 7.34% APR | 7.65% APR | APOR 1.49% | APOR 1.49% |
| 80% of Appraisal (Term 16-30 years) | |||||
| 1-1/2% refinance fee on Real Estate Loans | |||||
