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Performance Based Pricing
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Grade |
A | B | C | D | |
| Beacon Score | 700+ | 699-680 | 679-640 | 639-600 | |
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VEHICLE LOANS |
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| APR | APR | APR | APR | ||
| New & Used Loan Amt$20,000 + up to 72 months |
Current Year |
6.00% | 8.00% | 10.25% | 12.00% |
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Used
Cars
60 mo maximum term |
2007 - 2004 2003 - 2002 2001 - 1999 1998 & Older |
6.50% 7.25% 8.00% 9.00% |
8.25% 8.50% 9.50% 10.00% |
11.25% 11.50% 11.75% 13.00% |
13.00% 13.25% 13.50% 14.50% |
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OTHER COLLATERAL |
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| Titled |
New 60 mo maximum term |
7.00% | 8.00% | 11.25% | 13.00% |
| Motorcycles, RV's, Motor homes |
Used 48 mo maximum term |
7.25% | 8.25% | 11.50% | 13.25% |
| Trailers |
$30,000 > up to 72 mo term |
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| Classic Autos |
$30,000 > up to 60 mo term |
8.50% | 9.00% | ||
| Untitled |
New 48 mo maximum term |
7.50% | 8.25% | 12.25% | 14.00% |
| ATV's, Snowmobiles, Boats |
Used 36 mo maximum term |
7.75% | 8.50% | 12.50% | 14.25% |
| Dirt Bikes, Agriculture |
$18,000 > up to 60 mo term |
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| Agriculture - Live Stock |
60 mo term |
7.50% | N/A | N/A | N/A |
| 1/2 Market Value |
Board Approval |
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PERSONAL LOANS |
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| Unsecured $5,000.00 maximum loan amt |
24 mo maximum term |
10.00% | 11.00% | 13.00% | 15.00% |
| VISA Credit Card | 14.25% | ||||
| Over Draft Protection | 15.00% |
$1,000 Line of Credit |
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| MORTGAGE LOANS | |||||
| First
Mortgage Re-price rate - 5 years |
80% LTV | 6.50% | 7.00% | 8.00% | 9.00% |
| Second
Mortgage Re- price rate - 5 years |
75% LTV | 6.75% | 7.25% | 8.25% | 9.25% |
| Home
Equity Re-price rate - 5 years |
$75,000.00 - 75% LTV | 6.75% | 7.25% | 8.75% | 9.75% |
| Mobile
Home - with real estate 10 years or newer |
New - 75% Used -70% LTV |
8.50% 9.00% |
9.00% 9.50% |
10.00% 10.50% |
11.00% 11.50% |
| Mobile
Home - w/out real estate 10 years or newer |
New - 75% |
9.50% 10.00% |
10.00% 10.50% |
11.00% 11.50% |
12.00% 12.50% |
| OTHER LOANS | |||||
| Share Secured |
4.25% |
Above Savings Product Rate |
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| Share Certificate Secured |
2.25% |
Above Savings Product Rate |
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| 36 mo maximum Term on Shares & Money Market - 60 mo maximum Term Share Certificates (match term of CD) | |||||
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