All rates are effective February, 2008.
All rates are based on credit category.
**Negative credit ratings are: A, 1 OR R; 2, 3, 4, 5, 6, 7, 8, 9, Charged Off Account, Judgment, Suits, Tax Lien, Collection Item, Repossession or Bankruptcy
All rates are subject to change without prior notice.
***Current through three (3) year model vehicles, actual selling price or payoff not to exceed NADA retail value. Four (4) year model vehicles and older not to exceed NADA loan value. Seven (7) year model vehicles and older financed for app. Twelve (12) months.
*Used vehicle financing terms: up to $5000.00 - 2 years, $5001.00 to $10000.00 - 3 years, $10,001.00 to $15,000.00 – 4 years over $15000.00 - 5 years. A .50% (1/2%) interest rate reduction will be given for each year a used vehicle is financed less than the maximum number of years allowable. A .25% discount will be given for an existing checking account as well as an existing Visa account.
CATEGORY A: All credit rating A1, I1, R1. No negative rating
NEW
2 YRS - 5.00% APR
3 YRS - 5.50% APR
4 YRS - 6.00% APR
5 YRS - 6.50% APR
USED
..6.50% APR***
CATEGORY B: Not over three (3) negative credit rating
NEW
2 YRS - 7.00% APR
3 YRS - 7.50% APR
4 YRS - 8.00% APR
5 YRS - 8.50% APR
USED
...8.50% APR***
CATEGORY C: Not over four (4)negative credit ratings******
NEW
2 YRS - 9.00% APR
3 YRS - 9.50% APR
4 YRS -10.00% APR
5 YRS -10.50% APR
USED
. 10.50% APR*****
CATEGORY D: Five (5) or more negative credit ratings NEW
2 YRS - 16.00% APR
3 YRS - 16.50% APR
4 YRS - 17.00% APR
5 YRS - 17.50% APR
USED ...17.50% APR***CALL FOR DETAILS
Share Loans
Secured by 2% Above Current Shares Account Dividend Rate
Please use tabs on the left under Rates & Fees to view all current Rates & Fees.
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