|
Rates:
Loans
|
|
Automobile Loans |
| |
|
Model |
Term |
APR* |
| 2010-2011 |
36 Months |
5.247% |
|
New |
48 Months |
5.751% |
| < 15,000 miles |
60 Months |
5.992% |
| |
|
|
| |
| 2007-2010 |
36 Months |
5.748% |
| |
48 Months |
6.250% |
| |
60 Months |
6.743% |
| |
|
|
| |
| 2005-2006 |
36
Months |
7.484% |
| |
48 Months |
7.740% |
| |
|
|
| |
| 2002-2004 |
Up to 36 Months |
8.484% |
| |
|
|
| 2001
and
older |
Up to 30 Months |
8.974% |
*Annual
Percentage Rate (APR) based
on a $10,000 loan for the
terms indicated.
Above
rates and terms subject to
change based on credit
worthiness, down payment,
mileage, and physical
condition of collateral. |
| New - 20% Down - Finance 80% of purchase price |
| Used - 20% Down - Finance 80% of purchase
price |
|
Consumer Loans |
| |
|
Unsecured |
36 Month Maximum Term |
| |
Negotiable Rates |
| Secured |
Negotiable Terms and Rates |
|
Cash Reserve Accounts |
| |
| |
APR |
|
Consumer |
16.50% |
| Business |
16.50% |
| *A
membership
fee of $25
will be
due at
closing
and a $25
annual fee
thereafter. |
|
Consumer - Residential Real Estate Loans |
| |
| Current
Fixed
Mortgage
Rates |
|
|
Term:
Rate:
|
APR |
Monthly
Pmt./
$1,000
|
| 10
Year
4.375% |
4.374%
|
$10.30 |
| 15
Year
4.625% |
4.625% |
$7.71
|
| 20
Year
5.125% |
5.126% |
$6.67
|
| 30
Year
5.250% |
5.252% |
$5.52
|
| The
above
rates
may
require
prior
FNMA
Underwriting
Approval
for
owner-occupied
homes,
including
a
minimum
20%
down
payment/equity
position
and
a
loan
balance
of
$100,000
or
greater.
Higher
rates
may
be
applicable
for
lower
balance
or
lesser
down
payment
loans.
Rates
are
not
guaranteed
until
lock-in
and
are
subject
to
change
based
on
possible
market
fluctuations.
Additional
rates
and
programs
are
available
up
to
95%
of
value.
Please
consult
one
of
our
Loan
Officers
for
specific
details. |
| Current
Balloon
Mortgage
Rates |
|
Term:
Rate:
|
APR |
Monthly
Pmt./
$1,000
|
| 3
Year
5.50% |
5.503%
|
$6.88 |
| 5
Year
5.75% |
5.751% |
$7.02
|
| Rates
quoted
are
for
owner-occupied
residences,
including
a
minimum
20%
down
payment/equity
position.
Higher
rates
may
be
applicable
for
lesser
down
payment
loans.
Annual
Percentage
Rate
(APR)
based
on
representative
$100,000
loan
amount
with
a
20
year
amortization.
Use
our
Financial
Calculators
for
other
terms.
Additional
rates
and
programs
are
available
up
to
95%
of
value.
Please
consult
one
of
our
Loan
Officers
for
specific
details. |
|
Home
Equity |
| |
| Loan
to
Value |
0-80% |
Prime +
1.00%
|
|
Business - Real Estate Loans |
| |
| 5 Year Balloon |
6.00% |
|
|
20% Down - Finance 80% of purchase price |
|
|
|
Business - Machinery Loans |
| |
|
3 Year Fixed |
5.55% |
|
|
4 Year Fixed |
5.90% |
|
|
5 Year Fixed |
6.10% |
|
|
Business - Operating Lines |
|
Call (618) 842-2107 for quote. |
| |
|
Rates
were
last
updated
on
February
23,
2010.
Prime
Interest
Rate:
3.25%,
effective
December
18,
2008.
|
Equal Housing Lender