| Effective Date:
July 1, 2009
|
| LOAN TYPE |
APR* |
| NEW
AUTO RATES |
| 24 months - 48 months |
AS LOW AS 4.89%
|
| 60 - 72 months |
AS LOW AS 5.15% - 5.40%
|
| |
USED
AUTO RATES
(N.A.D.A values are used) |
1 yr. old
36-60 months
|
AS LOW AS 5.89%
90% of retail
over 15,000 miles
|
2 yrs. old
36-54 months
|
AS LOW AS 6.40%
90% of retail
|
3 yrs. old
36-48 months
|
AS LOW AS 7.40%
85% of retail
|
4 - 6 yrs. old
48 months
|
AS LOW AS 8.40%
80% of retail
|
7 yrs. & older
36 months
|
AS LOW AS 9.40%
75% of retail
|
| |
| CREDIT
CARD |
| VISA Platinum |
8.99%
|
| VISA Classic |
12.99%
|
| |
| ALL
OTHER LOAN RATES |
A Credit Score 650+
Maximum $10,000
depending on debts &
income - max terms 36 months |
8.99%
|
B Credit Score 600-649
Maximum $10,000
depends on debts &
income - max terms 36 months |
11.99%
|
C Credit Score 550-599
Maximum $10,000
depends on debts &
income - max terms 36 months |
15.00%
|
D
Credit Score below 549
Credit Rebuilder Loan
Maximum $2,500
Max terms 18 months
|
18.00%
|
| Pay Day Loans |
18.00%
|
FULLY-Share (savings) Secured
(Terms
vary share balance maximum) |
2.50%
|
| Certificate Secured |
2.5% above certificate rate
terms vary
certificate balance maximum
|
Motorcycle, Boat, Camper
or Jet Ski
NEW |
1.5% above new car rates
90% financing
maximum 60 months
|
Motorcycle, Boat, Camper
or Jet Ski
USED |
1.75% used car rates
75% of sale price
N.A.D.A. values used
|
*APR =
Annual Percentage Rate
Late fee-$10 or 5% of default amount (not less than $5), whichever is less, if more than 10 days late.
|
