Loans
Rates effective May 1, 2012
Mortgage Rates
Conventional Mortgage Rates (click to see rates - updated daily)
Portfolio Mortgage Rates (click to see rates - updated daily)
Consumer Loan Rates
New Auto: 2010 and Newer
| Rate | APR* | Processing Fee | Maximum Term | Required Downpayment | Minimum Loan | Maximum Loan | Monthly P&I Payment per $1,000 |
|---|---|---|---|---|---|---|---|
| 4.00% | 4.15% | $75.00 | 36 | 10% | $5,000 | $60,000 | $29.52 |
| 4.30% | 4.42% | $75.00 | 48 | 10% | $5,000 | $60,000 | $22.71 |
| 4.65% | 4.74% | $75.00 | 60 | 10% | $5,000 | $60,000 | $18.71 |
| 5.10% | 5.18% | $75.00 | 72 | 10% | $5,000 | $60,000 | $16.15 |
*MINIMUM LOAN AMOUNT $15,000 FOR TERM OVER 72 MONTHS. NEW CAR IS 2010 MODEL OR NEWER.
100% FINANCING AVAILABLE NADA CLEAN TRADE VALUE OR PURCHASE PRICE, WHICHEVER IS LESS.
Used Auto: 1997 and Newer
| Rate | APR* | Processing Fee | Maximum Term | Required Downpayment | Minimum Loan | Maximum Loan | Monthly P&I Payment per $1,000 |
|---|---|---|---|---|---|---|---|
| 4.50% | 4.74% | $75.00 | 36 | 10% | $1,500 | $40,000 | $29.75 |
| 4.80% | 4.98% | $75.00 | 48 | 10% | $1,500 | $40,000 | $22.94 |
| 5.05% | 5.20% | $75.00 | 60 | 10% | $1,500 | $40,000 | $18.89 |
| 5.55% | 5.68% | $75.00 | 72 | 10% | $1,500 | $40,000 | $16.36 |
*MINIMUM LOAN AMOUNT $15,000 FOR TERM OVER 72 MONTHS. NADA CLEAN TRADE VALUE OR PURCHASE PRICE, WHICHEVER IS LESS. 100% FINANCING AVAILABLE
New Boats: 2010 and Newer
| Rate | APR* | Processing Fee | Maximum Term | Required Downpayment | Minimum Loan | Maximum Loan | Monthly P&I Payment per $1,000 |
|---|---|---|---|---|---|---|---|
| 6.50% | 6.92% | 1% | 60 | 10% | $7,500 | $250,000 | $19.57 |
| 6.75% | 6.98% | 1% | 120 | 10% | $7,500 | $250,000 | $11.48 |
*20% DOWN MINIMUM LOAN AMOUNT OVER 60 MONTHS. MINIMUM LOAN AMOUNT $50,000 FOR 240 MONTH TERM
Used Boats: 2002 and Newer
| Rate | APR* | Processing Fee | Maximum Term | Required Downpayment | Minimum Loan | Maximum Loan | Monthly P&I Payment per $1,000 |
|---|---|---|---|---|---|---|---|
| 7.50% | 7.92% | 1% | 60 | 10% | $2,500 | $250,000 | $20.04 |
| 7.75% | 7.98% | 1% | 120 | 10% | $2,500 | $250,000 | $12.00 |
*20% DOWN MINIMUM LOAN AMOUNT OVER 60 MONTHS. MINIMUM LOAN AMOUNT $50,000 FOR 240 MONTH TERM
New and Used RV: 2002 and Newer
| Rate | APR* | Processing Fee | Maximum Term | Required Downpayment | Minimum Loan | Maximum Loan | Monthly P&I Payment per $1,000 |
|---|---|---|---|---|---|---|---|
| 8.00% | 8.43% | 1% | 60 | 10% | $7,500 | $100,000 | $20.28 |
| 8.25% | 8.48% | 1% | 120 | 10% | $7,500 | $100,000 | $12.27 |
*20% DOWN MINIMUM LOAN AMOUNT. $15,000 FOR TERM OVER 60 MONTHS. MINIMUM LOAN AMOUNT $50,000 FOR 240 MONTH TERM
Manufactured Home in Park
| Rate | APR* | Processing Fee | Maximum Term | Required Downpayment | Minimum Loan | Maximum Loan | Monthly P&I Payment per $1,000 |
|---|---|---|---|---|---|---|---|
| 6.50% | 6.86% | 1% | 72 | 20% | $7,500 | $100,000 | $16.81 |
| 7.50% | 7.73% | 1% | 120 | 20% | $7,500 | $100,000 | $11.87 |
| 7.75% | 7.92% | 1% | 180 | 20% | $7,500 | $100,000 | $9.41 |
Other Secured (Motorcycles, Jet Skis, ATVs, and Snowmobiles)
| Rate | APR* | Processing Fee | Maximum Term | Required Downpayment | Minimum Loan | Maximum Loan | Monthly P&I Payment per $1,000 |
|---|---|---|---|---|---|---|---|
| 10.75% | 10.98% | $75.00 | 60 | 20% | $3,000 | $25,000 | $21.62 |
*10% DOWN (Includes motorcycles, jet skis, ATVs, snowmobiles)
Unsecured Loans
| Rate | APR* | Processing Fee | Maximum Term | Required Downpayment | Minimum Loan | Maximum Loan | Monthly P&I Payment per $1,000 |
|---|---|---|---|---|---|---|---|
| 11.99% | 11.99% | 0% | 48 | N/A | $1,000 | $5,000 | $26.33 |
Preferred Line of Credit
| Rate | APR* | Processing Fee | Maximum Term | Required Downpayment | Minimum Loan | Maximum Loan | Monthly P&I Payment per $1,000 |
|---|---|---|---|---|---|---|---|
| 11.00% | 11.00% | 0% | 60 | N/A | $1,000 | $15,000 | $9.17 |
Overdraft Line of Credit
| Rate | APR* | Processing Fee | Maximum Term | Required Downpayment | Minimum Loan | Maximum Loan | Monthly P&I Payment per $1,000 |
|---|---|---|---|---|---|---|---|
| 18.00% | 18.00% | 0% | N/A | $300 | $2,500 | $15.00 |
