|
Loan Type
|
Amount Financed
|
Terms Available
(years)
|
APR*
(%)
|
Variable APR*
(%)
|
Est. Payment per mo/per $1,000 borrowed
|
|
Signature Line-of-Credit
Share Draft Loan Protection
Share Secured
Certificate Secured
|
100% of account balance
100% of account balance
|
3
3
4
7
|
12.90+
13.90+
3.90+
|
Cert.
Rate + 3*
|
$35.08 e
$35.58 e
$23.87 e
|
|
Stock Secured
|
Up to 60% of Market Value
Up to 80% of Market Value
|
3
5
5
|
7.00
8.00
|
10.00*
(Index+4) floor
|
$32.24 e
$21.71 e
|
|
Boat / Camper / Motor Home
Over
20k requires appraisal
|
90% financing on New, 85% on Used
|
5
10
15 (over $30K)
|
6.90
7.90
8.90
|
|
$21.17 e
$13.68 e
$11.90 e
|
|
New and Used Mobile Home
(2008-2000)
|
85% of the Appraised Value
|
5
10
15 (over $30K)
|
|
10.00*
(Index+6)
10.00* (Index+7)
10.00* (Index+8)
|
|
|
All Other Secured- Snowmobiles, ATV's
Credit score determines the % of financing. 725+=110%,
724-625 = 100%, 624 or less 90%
|
3
5
|
7.75
8.75
|
10.00*
(Index+7)
10.00*(Index+8)
|
$32.59
e
$22.09
e
|
|
All-Purpose Home Equity
No Closing Cost**
($5,000 - $100,000)
|
85% loan-to-value
|
5
10
|
5.50*
6.50*
|
|
$20.48
e
$12.90 e
|
|
Land Purchase Loan
($3,000 - $25,000)
|
65% loan-to-value for undeveloped. 75% for partially
developed.
|
3
5
7
10 (Over $15k)
|
9.50+
10.50+
11.50+
12.50+
|
|
$33.43 e
$22.98 e
$18.99 e
$16.41 e
|
|
Equity Enhancement Loan
($5,000 - $50,000)
|
up to 105% loan-to-value % determined by credit score
|
3
7
|
5.75*
6.25*
|
|
$31.65 e
$16.18 e
|
|
Revolving Home Equity LOC
($15,000 - $100,000)
|
80% loan-to-value
|
15/15
|
|
(Prime)
5.00%* Floor
|
1.00% e
|
|
VISA Classic
VISA Platinium
|
$500 - $5,000
$5,000 - $25,000
|
-
-
|
12.90*
-
|
-
(Prime + 3.9)= 7.15
|
3 % of
balance
2% of balance
|
|
|
|
|
|
|