Rates

Loan Rates - effective December 2011
Note: Stated rates are the lowest rates offered as of this date and are subject to change without notice. Actual rate charged may increase according to credit score.

FULLY SECURED LOANS

• 84 month max term
• Maximum Amount - $40,000
• As low as 3.99%

COLLATERAL LOANS

• Maximum Amount - $40,000

	term	value of collateral	as low as
New – 2011	1 - 49 months		3.99%
New – 2011	50-73 months	over $10,000	4.29%
New – 2011	74-85 months	over $16,000	4.99%
2010 - 2009	1 - 37 months		4.29%
2010 – 2009	38 - 49 months	over $8,000	4.29%
2010 – 2009	50 - 61 months	over $12,000	4.29%
2008 – older	1 - 37 months		4.29%
2008 – older	38 - 49 months	over $8,000	4.29%
Antique 15+ years	1 - 49 months		5.29%
Antique 15+ years	50-61 months	over $10,000	5.29%

**add 1.0% to above rates for other title loans: boat, atv, camper, utility trailer
When collateral is involved, the credit union will use the N.A.D.A guide and the Kelley Blue Book to establish value when considering a loan for approval. If there is no N.A.D.A. or Kelley value available the credit union will require another acceptable statement of value such as: an appraisal, dealer’s quote, or insurance quote. Antique auto average retail value must exceed $6000

SIGNATURE LOANS

• 48 month max term
• Maximum Amount - $8,000
• As low as 6.99%

 90 DAY NOTE LOANS

Limit based on verifiable repayment method and loan officer discretion.  Use signature loan rates.

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Savings Rates

Certificate Rates - effective February 1, 2012

• 6 month -  .35%
• 12 month - .50%
• 18 month - .65%
• 24 month - .85%

Dividends