Fee Schedule CERTIFICATE RATES SHARE RATES IRA CERTIFICATES LOAN RATES
Effective as of: April 9, 2024
| LOAN RATES | ||||
| CREDIT SCORE | Tier 1 | Tier 2 | Tier 3 | Tier 4 |
| 790> | 789-759 | 758-680 | 679-600 | |
| New Auto 2024-2023 | 4.49% APR | 5.49% APR | 6.29% APR | 9.99% APR |
| 100% of Dealer Sticker (maximum term 72 months) | ||||
| Used Auto 2019-2022 | 4.75% APR | 5.85% APR | 7.09% APR | 10.99% APR |
| 100% of NADA value (maximum term 60 months) | ||||
| Used Auto 2018 or Older | 5.09% APR | 6.09% APR | 7.49% APR | 13.00% APR |
| 100% of NADA value (maximum term 36 months) | ||||
| Boats | 7.69% APR | 8.39% APR | 10.49% APR | 13.00% APR |
| New: max. term 72 months Used: max. term 48 months | ||||
| Motor Homes/ Travel Trailers | 8.19% APR | 8.99% APR | 10.99% APR | 12.99% APR |
| 80% LTV | 80% LTV | 70% LTV | 60% LTV | |
| max. term 10 years on 2017-2023 5 year max. on older models | ||||
| Share Secured | 2.35% APR | 2.35% APR | 2.35% APR | 2.35% APR |
| Regular Shares | ||||
| Certificate Secured | 3% over | 3% over | 3% over | 3% over |
| Loan Term = CD Term | ||||
| Signature | 7.49% APR | 8.79% APR | 10.39% APR | 13.50% APR |
| max. term 2 years | ||||
| Real Estate | 5.84% APR | 6.44% APR | 7.75% APR | APOR 1.49% |
| 80% of Appraisal (Term 1-5 Years) | ||||
| Real Estate | 6.24% APR | 6.94% APR | 7.89% APR | APOR 1.49% |
| 80% of Appraisal (Term 6-15 Years) | ||||
| Real Estate | 6.74% APR | 7.34% APR | 8.19% APR | APOR 1.49% |
| 80% of Appraisal (Term 16-30 years) | ||||
| 1-1/2% refinance fee on Real Estate Loans | ||||