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Loan Interest Rates -- Effective August 25, 2010 |
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 MORTGAGES
Risk Based Pricing 'A+' through 'D'
APR = Annual Percentage Rate
| Add .25% without Autopay |
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FICO 98 |
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720+ |
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700-719 |
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670-699 |
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640-669 |
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639-600 |
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A+ |
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A |
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B |
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C |
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D |
| 1st - Real Estate Mortgages |
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Balloons |
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Up to 80% Loan to Value |
| Up to 36 Months |
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5.00 |
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5.25 |
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6.25 |
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| Up to 60 Months |
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5.25 |
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5.50 |
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6.50 |
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| Up to 84 Months |
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6.25 |
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6.50 |
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7.50 |
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10.50 |
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12.50 |
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| Fixed |
Up to 80% Loan to Value |
| 10 Year Fixed |
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5.75 |
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6.00 |
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7.00 |
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10.00 |
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12.00 |
| 15 Year Fixed |
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6.25 |
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6.50 |
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7.50 |
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10.50 |
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12.50 |
| 20 Year Fixed |
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6.50 |
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6.75 |
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7.75 |
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10.75 |
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12.75 |
| Second Mortgage |
Up to 80% Loan to Value |
| 5 Year Fixed |
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5.50 |
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5.75 |
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6.75 |
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9.75 |
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11.75 |
| 10 Year Fixed |
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6.00 |
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6.25 |
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7.25 |
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10.25 |
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12.25 |
| 15 Year Fixed |
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6.25 |
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6.50 |
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7.50 |
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10.50 |
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12.50 |
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81% to 90% Loan to Value |
| 5 Year Fixed |
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7.25 |
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7.50 |
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8.50 |
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11.50 |
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13.50 |
| 10 Year Fixed |
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8.00 |
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8.25 |
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9.25 |
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12.25 |
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14.25 |
| Unsecured Personal Loans |
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FICO 98 |
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720+ |
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700-719 |
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670-699 |
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640-669 |
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639-600 |
| Max Loan amount |
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$5000 at 9.00% |
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$3000 at 10.00% |
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$2000 at 14.00%
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$1000 at 16.00% |
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$750 at 18.00% |
| Add .25% without Autopay |
|
FICO 98 |
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720+ |
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700-719 |
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670-699 |
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640-669 |
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639-600 |
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A+ |
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A |
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B |
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C |
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D |
New Vehicles, Boats (over 16'), Motorcycles, RV's
Up to 90% LTV Based on Retail Value |
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| 2008 and Newer - |
| Up to 36 Months |
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5.00 |
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5.25 |
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7.25 |
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10.25 |
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13.25 |
| Up to 48 Months |
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5.00 |
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5.25 |
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7.25 |
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10.25 |
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13.25 |
| Up to 60 Months |
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5.75 |
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6.00 |
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8.00 |
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Used Vehicles, Boats (over 16'), Motorcycles, RV's
Up 90% LTV Based on NADA Retail Value
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| 2007 through 2003 |
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| 36 Months |
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5.00 |
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5.25 |
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7.25 |
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10.25 |
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13.25 |
| 48 Months |
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5.75 |
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6.00 |
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8.00 |
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11.00 |
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14.00 |
| 60 Months Only on Vehicles Between 2007-2010 |
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5.75 |
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6.00 |
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6.25 |
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Older Used Vehicles
Up 90% LTV Based on NADA Retail Value
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Wholesale Value |
| Up to 24 Months |
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4.75 |
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5.00 |
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7.00 |
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10.00 |
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13.00 |
| Up to 36 Months |
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5.00 |
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5.25 |
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7.25 |
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10.25 |
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13.25 |
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New Rec Items -- ATV'S,Snowmobiles, Jet Skis etc
Up 90% LTV Based on NADA Retail Value
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| Up to 36 Months |
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5.00 |
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5.25 |
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7.25 |
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10.25 |
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13.25 |
| Up to 48 Months |
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5.00 |
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5.25 |
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7.25 |
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10.25 |
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13.25 |
| Up to 60 Months |
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5.75 |
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6.00 |
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8.00 |
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Used Rec Items -- Snowmobiles, Campers, ATV's
Up 90% LTV Based on NADA Retail Value
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| Up to 24 Months |
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4.75 |
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5.00 |
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7.00 |
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10.00 |
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13.00 |
| Up to 36 Months |
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5.00 |
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5.25 |
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7.25 |
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10.25 |
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13.25 |
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| NOTE: Risk-Based Pricing does NOT apply to the following Loan Types: |
Kwik Csh Loans
Christmas Loans |
| Certificate Secured |
| Term -- Up to Length of Current Certificate 3% above the Certificate Rate, Minimum 4% |
| Savings Secured |
| Term -- Up to 24 Months, 3% above Actual Rate, Minimum 4% |
APR = Annual Percentage Rate
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Loans 