Fee Schedule CERTIFICATE RATES SHARE RATES IRA CERTIFICATES LOAN RATES
Effective as of: October 28, 2022
| LOAN RATES | ||||
| CREDIT SCORE | Tier 1 | Tier 2 | Tier 3 | Tier 4 |
| 790> | 789-759 | 758-680 | 679-600 | |
| New Auto 2023-2022 | 3.55% APR | 4.55% APR | 5.35% APR | 9.50% APR |
| 100% of Dealer Sticker (maximum term 72 months) | ||||
| Used Auto 2018-2021 | 3.79% APR | 4.90% APR | 6.15% APR | 10.50% APR |
| 100% of NADA value (maximum term 60 months) | ||||
| Used Auto 2017 or Older | 4.15% APR | 5.15% APR | 6.89% APR | 13.00% APR |
| 100% of NADA value (maximum term 36 months) | ||||
| Boats, Recreation Vehicles | 6.75% APR | 7.00% APR | 9.50% APR | 13.00% APR |
| New: max. term 72 months Used: max. term 48 months | ||||
| Motor Homes/ Travel Trailers | 6.75% APR | 7.00% APR | 9.50% APR | 11.90% 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 | 6.55% APR | 7.85% APR | 9.40% APR | 13.50% APR |
| max. term 2 years | ||||
| Real Estate | 4.10% APR | 4.69% APR | 5.25% APR | APOR 1.49% |
| 80% of Appraisal (Term 1-5 Years) | ||||
| Real Estate | 4.55% APR | 5.15% APR | 5.79% APR | APOR 1.49% |
| 80% of Appraisal (Term 6-15 Years) | ||||
| Real Estate | 4.99% APR | 5.59% APR | 5.99% APR | APOR 1.49% |
| 80% of Appraisal (Term 16-30 years) | ||||
| 1-1/2% refinance fee on Real Estate Loans | ||||