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Loan Rates
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Rates are subject to change and are dependent upon credit rating
Rates effective October 23, 2014

VISA
No Annual Fee, No Transfer Fee
Earn Reward Points and cash in on www.scorecardrewards.com
Choose from: Qualified by: APR
VISA Gold Great credit score, Minimum limit $2,500 8.90%
VISA Classic Student or internet card, Lower limits 12.90%

Student Loans
Student Choice APR*
As low as 4.95%

NEW or USED SECURED LOANS
Auto, Boat, Motorcycles, Campers, etc.
Description Term APR*
Loan up to 48 1.99%
Loan 49-63 2.49%
Loan 64-66 2.99%
Loan 67-72 3.99%
Loans over $30K,very good credit 73+ 5.24%

UNSECURED LOANS
Description APR *
Personal / Signature 10.50%
Line of Credit 10.50%
Consolidation 10.50%

MISCELLANEOUS LOANS
Desription APR
1 Year T-Bill Index(reference only) .10%
3 Year T-Bill Index(reference only) .94%
5 Year T-Bill Index (reference only) 1.61%
Shares Secured 1.78%
Stock Secured 4.00%
Money Market Secured 1.60%

HOME LOANS
Mortgages
Description APR
1 Year ARM 3.50%
3 Year ARM 3.50%
5 Year ARM 3.50%
7 Year/5 ARM 3.75%

HOME LOANS
Equity
Description Required Equity Maximum Term
Tax Advantage 0% 15 Years
Home Advantage 10% 15 Years
Home Equity LOC 20% 15 Years
Home Improvement 10% 15 Years
Please call us for your best rate.    

* Rates based on past credit history and ability to pay



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