Loan Rates

Fixed Rate LoansApril 1, 2014
Loan Type1 APR As low As 2 Terms
New Auto (Up to 100% Financing) 1.59% Up to 60 months
  2.09% 61 72 months
  3.09% 73 84 months
Used Auto3 1.59% Up to 60 months
  2.09% 61 72 months
  3.09% 73 84 months
New Recreational Loans (100% MSRP or NADA Retail Value) 7.49% Up to 84 months on loans
of $30,000 and over
Used Recreational Loans (Up to 100% NADA Retail Value) 8.49% Up to 84 months on loans of
$30,000 and over
Personal Loan (Unsecured, Bill Consolidation, Signature) 8.99% 48 month maximum term on loan amounts under $5,000. Lowest available rate is for loan terms of 60 months or less.
Personal Loan (Unsecured, Bill Consolidation, Signature) 9.99% $10,000 Minimum loan amount for terms over 60 months. Maximum term 84 months.
1Minimum add-on of $5,000 required for refinances Andrews Federal loans.
2APR = Annual Percentage Rate. Rates are based on an evaluation of credit history, so your rate may differ.
3Loans over 100% NADA value may have a slightly higher rate.
Unsecured Lines of CreditApril 1, 2014
Loan Type APR1 Monthly Payment
Overdraft Line of Credit As low as 14.00% 3% of outstanding balance; minimum $30.
Unsecured Line of Credit As low as 10.00% 3% of outstanding balance; minimum $30.
1APR = Annual Percentage Rate. APR is variable and is based on the Wall Street Journal Prime Rate plus a margin of 3.5% or 7.5%. Rates subject to change each quarter.
Share/CD Secured RateApril 1, 2014
Loan Type Repayment Terms APR Conditions
Certificate Secured 12 months or Certificate maturity date, whichever is shorter. Certificate rate plus 3.00%1 Shares within a Certificate are pledged for the loan. The amount of the loan cannot exceed 90% of the amount in the certificate. The loan term is a maximum of 12 months or the maturity date of the certificate, whichever is sooner.
Shares Secured Up to 144 months Share rate plus 3.00%2 Minimum monthly payment of $30. The amount of the loan cannot exceed 95% of the amount held in share account.
1Fixed rate certificates only. IRA and First Step certificates cannot be pledged as collateral.
2This is a variable rate product; APR may be adjusted quarterly. Rate is determined by adding 3.00% to the share dividend rate as of the first of the month in January, April, July, and October.
Home Equity Loans (Owner Occupied)1April 1, 2014
Term APR Minimum Loan Amount Monthly Payment Per Every $1,000 Borrowed Maximum Loan to Value
7 years As low as 4.49%
fixed rate
$25,000 $13.90 90%
10 years As low as 4.99%
fixed rate
$25,000 $10.60 90%
12 years As low as 5.49%
fixed rate
$25,000 $9.50 90%
15 years As low as 6.49%
fixed rate
$25,000 $8.71 90%
15 years2 As low as 3.49%
fixed rate
$25,000 $7.15 80%
1Rates vary depending on credit history and loan to value. Appraisal required – fee paid upfront and is non-refundable. Fees paid to third parties to open your account typically range between $750 and $1,500 for loans up to $100,000. The closing costs depend on the location of the property and the amount of the Equity Loan. A sample Fixed Equity Loan payment based on $100,000 at 6.49% APR for 15 years is $870.66 (APR 6.576%). Escrow account may be required.
2Rates vary depending on credit history. To qualify, there must be no other liens/mortgages secured by the property being used as collateral. Appraisal required – fee paid upfront and is non-refundable. Fees paid to third parties to open your account typically range between $750 and $1,500 for loans up to $100,000. The closing costs depend on the location of the property and the amount of the Equity Loan. A sample Fixed Equity Loan payment based on $100,000 at 3.49% (3.573% APR) for 15 years is $714.56. Escrow account may be required.
Home Equity Lines of Credit - Variable RateApril 1, 2014
Line Amount APR1 Maximum Loan to Value
$25,000 - $500,000 Prime minus 1/2%
As low as 4.00% APR
80%
$25,000 - $500,000 Prime
As low as 4.00% APR
90%
1APR = Annual Percentage Rate. Subject to credit & property approval. Rates are APRs & subject to change without notice. Line of credit rates are variable and based on The Wall Street Journal Prime Rate plus/minus a margin, adjusted each quarter. The minimum APR is 4.00% and the maximum APR is 18%. Property insurance is, and flood insurance may, be required. Consult your tax advisor regarding the deductibility of interest. Availability restrictions may apply.

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