Loan Rates

APR - Annual Percentage Rate
Updated: 5/27/09

Loan Type Maximum Term Rate*
  Terms up to: * Rates as low as
Unsecured Personal/Cosigner Loans APR
  12 Months 8.75%
24 Months 9.25%
  36 Months 9.75%
48 Months 10.75%
  60 Months 11.75%
     
Automobile - New 100% Financing Terms up to: * Rates as low as
    APR
  12 Months 3.85%
  24 Months 3.95%
  36 Months 4.05%
  48 Months 4.15%
  60 Months 4.25%
   72 months

 4.75%

***100% Financing includes tax, title, and vehicle registration
AND.....any Extended Warranties

Automobile - Used 2001 - 2010   * Rates as low as
  12 Months 3.95%
  24 Months 4.05%
  36 Months 4.15%
  48 Months 4.25%
  60 Months 4.35%
   72 months  4.75%

**** Financing up to average retail value as indicated in NADA Used Car Guide
Financing term limited to vehicle age of ten years upon final payment.

  • Example: 6 year old vehicle may be financed a maximum of 4 years (6+4=10)
  • Example: 7 year old vehicle may be financed a maximum of 3 years (7+3=10)
Second Chance "Buyout" Auto Loans   * Rates as low as
  12 Months 4.45%
  24 Months 4.55%
  36 Months 4.75%
  48 Months 5.25%
  60 Months 5.50%
   72 months  5.75%

Financing not to exceed the actual remaning balance on loan at current financing institution.

Express Credit Revolving Line of Credit 15.00%
Visa - No Annual Fee Credit Card 11.9%

Home Equity Line of Credit Loan
Prime Rate 3.25%

 

Home Equity LOC 10 year draw / 15 year repayment   * Rates as low as
HELOC 80% LTV Prime Rate + Margin 0.00% 4.00%
HELOC 90% LTV Prime Rate + Margin 2.00% 6.00%
HELOC 100% LTV Prime Rate + Margin 3.00% 7.00%

 

Miscellaneous Secured Loans
Share Secured 1pmt 12 Months   5.0%
Share Secured Monthly pmts 36 Months   6.0%
Share Certificate CD Maturity CD Rate 2.0%
Other Miscellaneous Secured Loans 36 Months   5.50%

* Rate will be determined by your credit history and term of the loan.
All rates are subject to change at any time.