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	6.90	7.40	8.40	10.40	12.90
100% Financing	6.40	6.90	7.90	9.90	12.40
80% Financing	5.90	6.40	7.40	9.40	11.90

Used Automobiles (2005 and up)*

Credit Rating	A+ APR*	A APR*	B APR*	C APR*	D APR*
100% + Financing	7.90	8.75	10.40	12.50	15.40
100% Financing	7.40	8.25	9.90	12.00	14.90
80% Financing	6.90	7.75	9.40	11.25	14.40

Used Automobiles (2000 to 2004)*

Credit Rating	A+ APR*	A APR*	B APR*	C APR*	D APR*
100% + Financing	8.40	9.00	10.90	13.25	15.40
100% Financing	7.90	8.75	10.50	12.90	14.90
80% Financing	7.40	8.25	10.00	11.90	14.40

Used Automobiles (under 2000)*

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

100% + Financing 8.90
9.90
11.50 14.25 15.40

100% Financing 8.40 9.75 10.90 13.50 14.90

80% Financing 7.90 9.25 10.50 12.90 14.40

New Recreational*

Credit Rating	A+ APR*	A APR*	B APR*	C APR*	D APR*
100% + Financing	6.90	7.90	9.75	11.50	15.40
100% Financing	6.40	7.50	9.25	10.90	14.90
80% Financing	5.90	7.25	8.75	10.50	14.40

Used Recreational*

Credit Rating	A+ APR*	A APR*	B APR*	C APR*	D APR*
100% + Financing	7.90	9.75	10.75	12.25	15.40
100% Financing	7.40	9.25	10.25	11.75	14.90
80% Financing	6.90	8.75	9.75	11.25	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 2005 and newer is 72 months for A+,A and B scores,
60 months for C and D Scores.
*Maximum loan term for used vehicles 2002 to 2004 is 60 months for A+, A and B scores,
48 months for C and D scores.
*Maximum loan term for used vehicles 1999 to 2001 is 48 months for A+, A and B scores,
36 months for C scores.
*Maximum loan term for used vehicles older than 1999 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)* 6.250 6.250 36 Calculator

Mortgages (1st Mortgages, up to 15 year amortization)* 6.750 6.750 36 Calculator

Mortgages (1st Mortgages, up to 30 year amortization)* 7.750 7.750 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)
2.25
2.27 3

Certificate ($500 Minimum) 2.75 2.78 6

Certificate ($500 Minimum) 3.00 3.03 12

Certificate ($500 Minimum) 3.00 3.03 18

Certificate ($1000 Minimum) 3.25 3.29 24

Certificate ($1000 Minimum) 3.75 3.80 36

Certificate ($1000 Minimum) 3.75 3.80 48

Certificate ($1000 Minimum) 4.00 4.06 60

Savings Accounts 0.75 0.75 n/a

Savings With Life Insurance 0.50 0.50 n/a

Checking 0.75 0.75 n/a

Checking (Over $10,000)** 1.00 1.00 n/a

Money Market ($2500 Minimum)*** 1.75 1.76 n/a

IRAs 4.25 4.32 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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