Rates

Risk-Based | Loans | Savings

All rates subect to change at any time.

New Automobiles*

Credit Rating	A+ APR*	A APR*	B APR*	C APR*	D APR*
100% + Financing	5.90	6.40	7.90	10.40	12.90
100% Financing	5.40	5.90	7.40	9.90	12.40
80% Financing	4.90	5.40	6.90	9.40	11.90

Used Automobiles (2007 and up)*

Credit Rating	A+ APR*	A APR*	B APR*	C APR*	D APR*
100% + Financing	6.90	7.75	9.90	12.50	15.40
100% Financing	6.40	7.25	9.40	12.00	14.90
80% Financing	5.90	6.75	8.90	11.25	14.40

Used Automobiles (2002 to 2006)*

Credit Rating	A+ APR*	A APR*	B APR*	C APR*	D APR*
100% + Financing	7.40	8.00	10.40	13.25	15.40
100% Financing	6.90	7.75	10.00	12.90	14.90
80% Financing	6.40	7.25	9.50	11.90	14.40

Used Automobiles (under 2002)*

Credit Rating A+
APR* A
APR* B
APR* C
APR* D
APR*

100% + Financing 7.90
8.90
11.00 14.25 15.40

100% Financing 7.40 8.75 10.40 13.50 14.90

80% Financing 6.90 8.25 10.00 12.90 14.40

New Recreational*

Credit Rating	A+ APR*	A APR*	B APR*	C APR*	D APR*
100% + Financing	5.90	6.90	9.25	11.50	15.40
100% Financing	5.40	6.50	8.75	10.90	14.90
80% Financing	4.90	6.25	8.25	10.50	14.40

Used Recreational*

Credit Rating	A+ APR*	A APR*	B APR*	C APR*	D APR*
100% + Financing	7.40	8.00	10.40	13.75	15.40
100% Financing	9.90	7.75	10.00	13.25	14.90
80% Financing	6.40	7.25	9.50	12.50	14.40

Farm Machinery Etc*

Credit Rating	A+ APR*	A APR*	B APR*	C APR*	D APR*
100% + Financing	8.40	9.90	10.50	12.75	14.40
100% Financing	7.90	9.50	10.25	12.25	13.90
80% Financing	7.40	9.00	9.75	11.90	13.40

Livestock Etc*

Credit Rating	A+ APR*	A APR*	B APR*	C APR*	D APR*
100% + Financing	9.90	10.90	11.75	12.50	15.40
100% Financing	9.40	10.50	11.25	12.00	14.90
80% Financing	8.90	10.00	10.75	11.50	14.40

Other Secured*

Credit Rating	A+ APR*	A APR*	B APR*	C APR*	D APR*
100% + Financing	9.90	11.25	12.50	13.25	15.90
100% Financing	9.40	10.75	11.90	12.90	15.40
80% Financing	8.90	10.25	11.25	12.50	14.90

Mobile Homes*

Credit Rating	A+ APR*	A APR*	B APR*	C APR*	D APR*
Up to 70% Financing	10.90	11.90	12.40	14.40	16.90

Unsecured*

Credit Rating	A+ APR*	A APR*	B APR*	C APR*	D APR*
Based on credit score	10.40	11.40	13.40	15.40	17.90

Savings Secured*

Credit Rating	A+ APR*	A APR*	B APR*	C APR*	D APR*
Generally 100% Financing	5.90	5.90	6.90	6.90	6.90

YOUR LOAN RATE WILL BE DETERMINED BY YOUR CREDIT SCORE
*100% + Financing is purchase price, NADA value or other approved valuation if not purchased plus any additional costs.
*100% Financing is purchase price, NADA value or any other approved valuation if not purchased.
*80% Financing is 80% of NADA value or other approved valuation.
*Maximum loan term for new vehicles is 84 months.
*Maximum loan term for used vehicles 2007 and newer is 72 months for A+,A and B scores,
60 months for C and D Scores.
*Maximum loan term for used vehicles 2004 to 2006 is 60 months for A+, A and B scores,
48 months for C and D scores.
*Maximum loan term for used vehicles 2001 to 2003 is 48 months for A+, A and B scores,
36 months for C scores.
*Maximum loan term for used vehicles older than 2000 is 36 months.
*Motorhomes, 5th wheel campers: Up to 2 years old - Maximum term 10 years; 2-3 years old - maximum term 8 years; 3-4 years old - maximum term 7 years; 4-5 years old - maximum term 6 years; older than 5 years - maximum term 5 years.
*If no credit score is on reports, a "C" rate will be given until a score is secured.
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Rates Subject to Change

Loans Rate APR* Term

Mortgages (1st Mortgages, up to 10 year amortization)* 6.000 6.000 36 Calculator

Mortgages (1st Mortgages, up to 15 year amortization)* 6.250 6.250 36 Calculator

Mortgages (1st Mortgages, up to 30 year amortization)* 6.500 6.500 36 Calculator

*APR=ANNUAL PERCENTAGE RATE
*All Mortgages are on a 36 mo balloon.
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Rates Subject to Change

Savings Rate APY* Term

Certificate ($500 Minimum)
0.50
0.50 3

Certificate ($500 Minimum) 1.00 1.00 6

Certificate ($500 Minimum) 1.25 1.26 12

Certificate ($500 Minimum) 1.50 1.51 18

Certificate ($1000 Minimum) 1.75 1.76 24

Certificate ($1000 Minimum) 2.00 2.02 36

Certificate ($1000 Minimum) 2.25 2.27 48

Certificate ($1000 Minimum) 3.00 3.03 60

Savings Accounts 0.25 0.25 n/a

Savings With Life Insurance 0.25 0.25 n/a

Checking 0.25 0.25 n/a

Checking (Over $10,000)** 0.25 0.25 n/a

Money Market ($2500 Minimum)*** 0.30 0.30 n/a

IRAs 3.00 3.03 n/a

*APY=ANNUAL PERCENTAGE YIELD
**Pays higher rate on whole balance as long as $10,000 or more is in acct.
***If Money Market Bal. falls below $2500 than rate drops to regular savings rate.

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