Share, Share Drafts,
Share Draft Checking, Christmas Club
These
rates were correct as of 9/30/09, however they are subject to change without notice.
| Type |
Annual Percentage Yield |
| Shares |
|
| $0 - $100.00 |
0 % |
| $100.01 - $5001.00 |
.50% |
| $5001.00 - $25,001.00 |
.75% |
| $25,001.00 - UP |
1.75% |
| Share Draft Checking |
0.500% |
| Christmas Club |
1.000% |
Loans
These
rates were correct of 09/30/09, however they are subject to change
without notice.
| Description |
Approx.
Term |
Annual
Percentage Rate |
| We
will refinance your loan financed elsewhere or here for same rates
and terms. Offer available for limited time only! All loans are
subject to credit rating and low mileage. |
| New & Used Automobiles (100% financing - used NADA Retail) |
|
|
| 2009 |
36 |
A |
3.75% |
|
| |
|
B |
4.25% |
|
| |
|
C |
4.75% |
|
| |
|
|
|
|
| 2009 |
48 |
A |
3.75% |
|
| |
|
B |
4.25% |
|
| |
|
C |
4.75% |
|
| |
|
|
|
|
| 2009 |
60 |
A |
4.50% |
|
| |
|
B |
5.00% |
|
| |
|
C |
5.25% |
|
| |
|
|
|
|
| 2009 |
72 |
A |
4.75% |
MORE THAN $20,000 |
| |
|
B |
5.25% |
|
| |
|
C |
5.75% |
|
| |
|
|
|
|
| 2008 |
36 |
A |
3.75% |
|
| |
|
B |
4.25% |
|
| |
|
C |
4.75% |
|
| |
|
|
|
|
| 2008 |
48 |
A |
3.75% |
|
| |
|
B |
4.25% |
|
| |
|
C |
4.75% |
|
| |
|
|
|
|
| 2008 |
60 |
A |
4.50% |
|
| |
|
B |
5.00% |
|
| |
|
C |
5.25% |
|
| |
|
|
|
|
| 2008 |
72 |
A |
4.75% |
MORE THAN $20,000 |
| |
|
B |
5.25% |
|
| |
|
C |
5.75% |
|
| |
|
|
|
|
| 2007 |
36 |
A |
4.25% |
|
| |
|
B |
4.75% |
|
| |
|
C |
5.25% |
|
| |
|
|
|
|
| 2007 |
48 |
A |
5.00% |
|
| |
|
B |
5.50% |
|
| |
|
C |
6.25% |
|
| |
|
|
|
|
| 2007 |
60 |
A |
5.25% |
|
| |
|
B |
5.75% |
|
| |
|
C |
6.25% |
|
| |
|
|
|
|
| 2006 |
36 |
A |
4.75% |
|
| |
|
B |
5.25% |
|
| |
|
C |
5.75% |
|
| |
|
|
|
|
| 2006 |
48 |
A |
5.25% |
|
| |
|
B |
5.75% |
|
| 2005 |
|
C |
6.25% |
|
| |
|
|
|
|
| 2006 |
54 |
A |
5.75% |
|
| |
|
B |
6.25% |
|
| |
|
C |
6.75% |
|
| |
|
|
|
|
| 2005 |
36 |
A |
5.25% |
|
| |
|
B |
5.75% |
|
| |
|
C |
6.75% |
|
| |
|
|
|
|
| 2005 |
48 |
A |
5.75% |
|
| |
|
B |
6.25% |
|
| |
|
C |
6.75% |
|
| |
|
|
|
|
| 2004 |
36 |
A |
5.75% |
|
| |
|
B |
6.25% |
|
| |
|
C |
6.75% |
|
| |
|
|
|
|
| 2003 |
24 |
A |
6.75% |
|
| |
|
B |
7.25% |
|
| |
|
C |
7.75% |
|
| |
|
|
|
|
| 2002 |
12 |
A |
7.75% |
|
| |
|
B |
8.25% |
|
| |
|
C |
8.75% |
|
| |
|
|
|
|
| 2002 |
24 |
A |
8.25% |
|
| |
|
B |
8.75% |
|
| |
|
C |
9.25% |
|
| |
|
|
|
|
| 2001 |
12 |
A |
9.75% |
|
| |
|
B |
10.25% |
|
| |
|
C |
10.75% |
|
| |
|
|
|
|
| 2001 |
24 |
A |
10.25% |
|
| |
|
B |
10.75% |
|
| |
|
C |
11.25% |
|
|
| * BASED ON LOW MILEAGE |
|
|
|
COLLATERAL |
TERM |
CATEGORY |
ANNUAL % RATE |
ADDITIONAL NOTES |
|
LINE OF CREDIT |
48 MOS |
A |
11.25% |
$10,000 MAXIMUM |
|
SHARE LOAN |
60 MOS |
|
2% ABOVE RATE |
SHARE TOTAL |
|
NEW TRACTORS |
60 MOS |
A |
6.75% |
100% FINANCING |
|
USED TRACTORS |
48 MOS |
A |
7.75% |
BOOK VALUE |
|
ATV'S |
36 MOS |
A |
7.75% |
100% FINANCING |
|
GOLF CARTS |
24 MOS |
A |
7.75% |
100% FINANCING |
|
MOTORCYCLES |
36 MOS |
A |
7.75% |
100% FINANCING |
|
WAVE RUNNERS |
36 MOS |
A |
7.75% |
100% FINANCING |
|
USED WAVE RUNNERS |
36 MOS |
A |
7.75% |
BOOK VALUE |
|
COMPUTERS |
24 MOS |
A |
7.75% |
100% FINANCING |
|
NEW/USED CAMPERS |
60 MOS |
A |
7.75% |
80% FINANCING |
|
NEW BOATS |
60 MOS |
A |
6.75% |
80% FINANCING |
|
USED BOATS |
48 MOS |
A |
8.25% |
BOOK VALUE |
|
HOME EQUITY |
VARIABLE |
|
|
$75,000 MAXIMUM
80% FINANCING |
|
LAND |
FIXED |
|
$16/$1,000 |
$75,000 MAXIMUM |
|
CO-MAKER |
36 MOS |
A |
11.25% |
$5,000 MAXIMUM |
|
BACK TO SCHOOL |
12 MOS |
A |
6.75% |
$2,000 MAXIMUM |
|
VACATION |
12 MOS |
A |
6.75% |
$2,000 MAXIMUM |
|
CHRISTMAS |
10 MOS |
A |
9.00% |
$1,000 MAXIMUM |
|
MULE |
48 MOS |
|
8.00% |
100% FINANCING |
Fees
and Charges
| Stop Payment Fee |
|
$25.00/Request |
| NSF Fee |
|
$25.00/Item |
| Printout |
|
$ 1.00/Page |
| Photocopy Fee |
|
$ 1.00/Copy |
| Account Reconciliation |
|
$10.00/Hour |
| Automobile Title Application Fee |
|
$16.50 |
| Uniform Commercial Code Application |
|
$20.00
|
| Pin Replacement Fee |
|
$5.00
|
| Card Replacement Fee |
|
$5.00 |
| Late Charge (10 days or more) |
|
5% |
| Loan Coupon Book |
|
$3.00 per loan |
| Early Closure of Account |
|
$20.00 (account closed within 6 months of opening) |
| Dormant Account |
|
$5.00 per month maintenance fee with balances less than $100 & having no activity in the last 12 months |
| Share Overdraft Transfer |
|
$5.00 per loan |
Share
Value
Par
Value of one share
$25.00
|
