Autos & Motorcycles (New & Used) |
| Rate Adjustments for Auto, Motorcycle, Boat & RV |
| Loan to Value* |
Rate Adjustment |
| Below 80% |
-1% |
| 80%-90% |
-0.5% |
| 91%-100% |
Base |
| 101%-110% |
+1% |
| 111%-120% |
+2% |
| *Value=sales price or NADA Retail/MSRP for new, whichever is less |
| No Automatic Payment |
+0.25% |
| Resource Rewards |
-0.25% |
| Green Auto |
-0.25% |
| Vehicle Age (8-20 yrs) |
+2% |
| • Floor rate is 2.49% |
| •Minimum
loan amounts per term: 60 mos. is $5,000; 72 mos. is $10,000;
84 mos. is $15,000; 96 mos. is $20,000; 144 mos. is $50,000. |
|
Term |
Annual Percentage Rate |
| Standard (60 months or less) |
2.99% - 15.49% |
| Extended (61-84 months) |
3.99% - 16.49% |
Boats, RVs & Travel Trailers (New & Used) |
Term |
Annual Percentage Rate |
| 60 months or less |
2.99% - 15.49% |
| 61-84 months |
3.99% - 16.49% |
| 85-108 months |
5.99% - 14.99% |
| 109-144 months |
6.99% - 15.99% |
|
Term |
Annual Percentage Rate |
• $350 min, $2500 max loan amount
• New purchases |
| Up to 12 months |
7.50% - 17.75% |
|
Term |
Annual Percentage Rate |
• Personal loan for debt consolidation |
| Up to 48 months |
8.00% - 17.75% |
Flexline Personal Line of Credit |
Term |
Annual Percentage Rate |
• Repayment is $25 per $1000 (or any portion thereof) of the the outstanding balance at the time of the last advance
• Variable rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month. 18% ceiling. |
| Revolving |
9.25% - 18.00%
Variable |
Share, Money Market, & Certificate Secured Loans |
|
Annual Percentage Rate |
• No credit report required
• Help build credit history |
| Share and Money Market Secured |
3.50% above the dividend rate
Variable |
| Certificate Secured |
3.50% above the certificate rate |
ATVs, Snowmobiles, Personal Watercraft (New & Used) |
| Term |
Annual Percentage Rate |
• Up to 100% LTV |
| Up to 24 months |
5.50% - 17.00% |
| 25-36 months |
5.75% - 17.25% |
| 37-48 months |
6.00% - 17.50% |
|
| Term |
Annual Percentage Rate |
• 1% loan origination fee
• Member pays third party closing costs
• Purchase or refinance |
| 15 year |
5.875% - 7.00% |
7 year balloon
(30 year amortization) |
5.375% - 6.375% |
Home Equity Loan - 1st Lien |
| Term |
Annual Percentage Rate |
• .75% loan origination fee
• Member pays third party closing costs
• Up to 90% LTV
• Refinance your existing mortgage |
| 15 year |
4.00% - 5.00% |
7 year balloon
(30 year amortization)
|
3.125% - 5.50% |
Home Equity Loan - 2nd Lien |
| Term |
Annual Percentage Rate |
• Members pays third party closing costs
• Up to 85% LTV |
| 10 years |
5.25% - 7.00% |
| 15 years
|
5.75% - 7.00% |
Home Equity Line of Credit |
| Term |
Annual Percentage Rate |
• Variable rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month. 3.75% floor; 18% ceiling.
• Member pays third party closing costs |
15 year amortization
10 year draw |
3.75% - 7.25%
Variable |
Platinum Rewards Visa Credit Card |
| Term |
Annual Percentage Rate |
• Variable rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month. 18% ceiling.
• Earn ScoreCard Rewards points |
| Revolving Line of Credit |
8.25%% - 18.00%
Variable |
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