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Loans |
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NEW AUTOS (2009, 2010, and newer model years with 20,000 miles or less) |
APR as low as* |
|
FIXED |
36 months (10% down payment) |
3.84% APR |
| 36 months (0% down payment) |
4.09% APR |
| 48 months (10% down payment) |
3.94% APR |
| 48 months (0% down payment) |
4.19% APR |
| 60 months (10% down payment) |
4.04% APR |
| 60 months (0% down payment) |
4.29% APR |
| 66 months (10% down payment) |
4.29% APR |
| 66 months (0% down payment) |
4.54% APR |
| GO GREEN Auto Loan‡ |
3.79% APR |
|
Loan Amount > $15,000 - 72 months (10% down payment) |
4.79% APR |
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USED AUTOS (2007 and 2008) (2009 and 2010 auto with more than 20,000 miles) |
APR as low as* |
|
FIXED |
48 months (Trade) |
4.44% APR |
| 48 months (Retail) |
4.69% APR |
| 60 months (Trade) |
4.69% APR |
| 60 months (Retail) |
4.94% APR |
| 66 months (Trade) |
5.19% APR |
| 66 months (Retail) |
5.44% APR |
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USED AUTOS (2004, 2005, and 2006 model years) |
APR as low as* |
FIXED |
48 months (Trade) |
5.69% APR |
| 48 months (Retail) |
5.94% APR |
| 60 months (Trade) |
5.94% APR |
| 60 months (Retail) |
6.19% APR |
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USED AUTOS (2003 and older model years) |
APR as low as* |
FIXED |
36 months (Trade) |
6.94% APR |
| 36 months (Retail) |
7.44% APR |
MOTORCYCLES
Same as auto for titled motorcycles. See Consumer Goods for
other models. |
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HOME EQUITY LOANS |
APR as low as* |
| Open-End Home Equity**
(Line of Credit) |
5.00% Variable APR |
| Closed-End Home Equity**
(Second Mortgage Loans) |
|
3-year Balloon |
4.25% APR |
5-year Balloon |
4.50% APR |
7-year Balloon |
5.50% APR |
10-year Balloon |
5.75% APR |
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MOBILE HOMES Call for current rates. 80% of appraised value on all
options. |
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OTHER LOANS |
APR as low as* |
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Personal Loan & Quick Draw Line of Credit - Repayment term is
36 months |
12.50% APR |
Short Term Personal Loan - Repayment term is
12 months |
10.50% APR |
|
C.D. Secured - (60 months, variable rate) |
2% Above |
|
Share Secured - (60 months, variable rate) |
2% Above |
| Payday Alternative Loan (PAL) - (6 months, $1000 maximum)*** |
|
with automatic payment |
19% APR |
without automatic payment |
21% APR |
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MOTOR HOMES |
APR as low as* |
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NEW |
Fixed 84 months (20% down payment) |
6.50% APR |
| Loan Amount > $25,000 - Fixed 120 months (20% down payment) |
6.75% APR |
USED |
1 - 2 Years Old - Fixed 96 months (Trade) |
6.5% APR |
| 3 - 4 Years Old - Fixed 84 months (Trade) |
6.75% APR |
| 5 Years and Older - Fixed 72 months (Trade) |
7.25% APR |
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BOATS AND TRAVEL TRAILERS |
APR as low as* |
|
NEW |
Fixed 60 months (20% down payment) |
6.25% APR |
| Fixed 60 months (0% down payment) |
6.75% APR |
| Fixed 84 months (20% down payment) -
Loan amounts greater than $25,000 |
6.50% APR |
USED |
Fixed 48 months (Trade) |
7.50% APR |
| Fixed 48 months (Retail) |
8.25% APR |
CONSUMER GOODS
Includes fold down & pick-up campers, garden tractors, off-road motorcycles, mopeds, scooters,
ATV's, computers, household goods, appliances, and snowmobiles |
APR as low as* |
NEW |
Fixed 36 months (20% down payment) |
6.75% APR |
| Fixed 36 months (0% down payment) |
7.75% APR |
| Fixed 48 months (20% down payment) |
7.75% APR |
| Fixed 48 months (0% down payment) |
8.75% APR |
USED |
Fixed 24 months (20% down payment) |
8.25% APR |
| Fixed 24 months (0% down payment) |
9.25% APR |
| Fixed 36 months (20% down payment) |
9.25% APR |
| Fixed 36 months (0% down payment) |
10.25% APR |
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CREDIT CARDS |
APR as low as* |
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Visa® Platinum Credit Card - No annual fee - 25 day Grace Period |
6.15% Variable APR† |
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Visa® Platinum Rewards Credit Card - No annual fee - 25 day Grace Period |
7.15% Variable APR†† |
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‡ Other restrictions apply. Valid only on new vehicles. Previously titled vehicles do not qualify.
* Annual Percentage Rate based on credit score. Rates subject to change.
** Fixed rate presented as a 3-year balloon. Add 1.5% to interest rate for Home Equity Loans with
Loan-to-Value Ratios over 85%. Closed-end Home Equity Loans also available as 5, 7 and 10-year
balloons, all with amortizations up to 15 years. Rate expressed as Annual Percentage Rate and subject to change. Appraisal fees may apply. See Veridian for details.
*** The annual percentage rate does not take into account your required deposit.
† Annual Percentage Rate is determined by adding 2.9% to Prime. Subject to change monthly.
†† Annual Percentage Rate is determined by adding 3.9% to Prime. Subject to change monthly. |
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For more information please call (800) 235-3228 or (319) 236-5600
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