Loan Rates
Effective as of May 1, 2008
NOTE:
- Rates quoted are the lowest rates available to qualified applicants.
- Other rates are available and may apply based upon our current underwriting guidelines.
- Rates are subject to change at any time without notice.
- Date of loan disbursement will determine rate charged.
| Vehicle Loans: Cars (new/used), trucks, motorcycles, or leases |
| Term |
Car Age |
Rate |
| 36 months |
up to 10 years old |
5.25% |
| 48 months |
up to 8 years old |
5.50% |
| 60 months |
up to 5 years old |
5.99% |
| 72 months |
up to 2 years old |
6.50% |
| Boat/Recreation Vehicle |
| Term |
Minimum |
Rate |
| up to 60 months |
|
7.49% |
| up to 120 months |
$20,000 |
7.99% |
| Home Equity Line* |
| LTV |
Type |
Credit Limit |
Rate |
| Up to 80% |
Prime Rate |
up to $250,000 |
5.00% |
| Up to 90% |
Prime + 1 |
up to $250,000 |
6.00% |
| Up to 100% |
Prime + 3 |
up to $250,000 |
8.00% |
|
* Variable Rate on Home Equity Lines is determined by the Wall
Street Journal Prime Rate. |
| Home Equity Loans |
| Term |
80% LTV Rate |
90% LTV Rate |
| 5 years |
5.70% |
6.75% |
| 10 years |
5.85% |
7.25% |
| 15 years |
5.90% |
7.75% |
| 20 years |
7.09% |
8.09% |
| Personal Loans & Lines of Credit |
| Loan |
Rate |
Type |
Term |
| Signature Loan |
11.95% |
fixed rate |
up to 60 months |
| Overdraft Line of Credit |
9.00% |
variable rate** |
open credit line |
| Share Secured |
Share Rate |
+ 3.00% |
up to 10 years |
| Certificate Secured |
CD Rate |
+ 3.00% |
until CD matures |
| Stock Secured |
8.25% |
fixed rate |
up to 12 years |
| PC Loan † |
7.50% |
fixed rate |
up to 36 months |
|
** Variable Rate on Overdraft Line of Credit is determined by the Treasury Bill
Rate plus 8.00%
† Includes computer, monitor & peripherals on purchases not exceeding
60 days. |
| Credit Cards |
| Loan |
Rate |
Type |
Term |
| VISA Classic |
13.80% |
fixed rate |
25 day interest free grace period
& no annual fee |
| VISA Platinum |
9.50% |
fixed rate |
25 day interest free grace period
& no annual fee |
| Student Loans |
| STAFFORD |
Type |
Rate |
| Loans made on or after July 1, 2006 |
fixed |
6.80% |
| FEDERAL PLUS |
Type |
Rate |
| Loans made on or after July 1, 2006 |
fixed |
8.50% |
|
*Federal Stafford and Plus loans have variable rates that may change annually |
Protect your Loan Payments with
Payment Protection from
Gap PLUS
Gap PLUS pays the loan off in case of a total loss on
any new or used car loan PLUS your deductible ($1000 max) PLUS $1000 on a new car if financed here! $269 one time fee.
We do business in accordance with the
Federal Housing Law and the Equal Credit Opportunity Act
|
