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Loan Rates
| Auto Loans |
| Effective Date: January 6, 2009 |
| Model Year | APR as low as* | Approximate Term |
| 2008 - 2007 |
5.25% |
72 months |
| 2006 - 2005 |
6.00% |
60 months |
| 2004 - older |
6.00% |
48 months |
| New Untitled |
7.00% |
84 months |
| *Rates and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and transfer payment with direct deposit. |
| Recreational Vehicles/Boats |
| Effective Date: January 6, 2009 |
| Model Year | Loan Amount | APR as low as* | Approximate Term |
| 2009-2007 |
$0.00 - $9,999 |
7.00% |
60 months |
| 2009-2007 |
$10,000 - $19,999 |
7.00% |
84 months |
| 2009-2007 |
$20,000 - $29,999 |
7.00% |
120 months |
| 2009-2007 |
$30,000 - $49,999 |
7.00% |
Amortized up to 144 months with balloon payment |
| 2009-2007 |
$50,000 - up |
7.00% |
Amortized up to 180 months with balloon payment |
| 2006-2005 |
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7.50% |
120 months |
| 2004-2002 |
|
7.50% |
84 months |
| 2001-older |
|
7.50% |
60 months |
| *Rates and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and transfer payment with direct deposit. Down payment may be required. |
| Leisure Vehicles |
| Effective Date: January 6, 2009 |
| (Personal Watercraft, Snowmobiles, ATVs, Motorcycles) |
| Model Year | APR as low as* | Approximate Term |
| New (Untitled) |
7.00% |
60 months |
| Used |
8.00% |
60 months |
| Used |
7.50% |
48 months |
| *Rates and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and transfer payment with direct deposit. Down payment may be required. |
| Kwik Draw |
| Effective Date: January 6, 2009 |
| Personal Line of Credit that overdrafts to your checking account. |
| APR as low as* | Maximum APR |
| 10.40% |
17.40% |
| *Rates may vary depending upon credit qualifications, payment protection package, and transfer payment with direct deposit. |
| Visa |
| Effective Date: January 6, 2009 |
| Terms | Conditions |
| Annual Percentage Rate for Purchases |
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| Variable Rate Information |
Non-Applicable |
| Balance Calculation Method |
Average Daily Balance (Including New Purchases) |
| Grace Period for Repayment of Balances for Purchases |
You have a grace period of at least 28 days from the end of the statement closing date to pay your new balance before being charged a finance charge. |
| Late Payment Fee |
$25.00 |
| Minimum Finance Charge |
None |
| Membership Fee |
None |
| Transaction Fee for Purchases |
None |
| Transaction Fee for Cash Advances |
None |
| Over-Limit Fee |
$25.00 Charged at Billing |
| *Rates may vary depending upon credit qualifications. This product is no longer offered as of 11/1/08. |
| Signature Loan |
| Effective Date: January 6, 2009 |
| APR as low as* | Approximate Term |
| 11.75% |
up to 60 months |
| *Rates and terms may vary depending upon credit qualifications, payment protection package, and transfer payment with direct deposit. |
| Home Equity Line of Credit |
| Effective Date: January 6, 2009 |
| Variable Rate |
| Loan to Value | APR as low as* | Maximum APR |
| 80.00% |
3.25% |
18.00% |
| Rates may vary based on credit qualifications. |
| Home Equity - Fixed Term |
| Effective Date: January 6, 2009 |
| Loan to Value | APR as low as* | Approximate Term |
| 80.00% |
6.25% |
180 months |
| *Rates and terms may vary depending upon credit qualifications. |
| Harley Davidson |
| Effective Date: January 6, 2009 |
| Minimum loan amount of $10,000 |
| Model Year | APR as low as* | Approximate Term |
| 2009 - 2007 |
8.00% |
66 - 108 months |
| Used |
9.00% |
84 months |
| *Rates and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and transfer payment with direct deposit. |
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