Risk Based Lending
Paper Score Range |
| Platinum |
730 and above |
| A |
680-729 |
| B |
640-679 |
| C |
600-639 |
| D |
550-599 |
| E |
549 and below |
|
Basis
= Prime Lending Rate plus 3 points |
Car Loans
New Vehicles |
| Paper/Term |
24 Mo |
36 Mo. |
48 Mo. |
60 Mo. |
72 Mo. |
84 Mo.
* |
| Platinum |
-2.00% |
-1.75% |
-1.50% |
-1.25% |
-1.00% |
-0.75% |
| A |
-1.75% |
-1.50% |
-1.25% |
-1.00% |
-0.75% |
-0.50% |
| B |
-0.75% |
-0.50% |
-0.25% |
+/- 0.00% |
+0.25% |
+0.50% |
| C |
+1.25% |
+1.50% |
+1.75% |
+2.00% |
+2.25% |
+3.50% |
| D |
+4.00% |
+4.25% |
+4.50% |
+4.75% |
+5.00% |
+5.25% |
| E |
+7.75% |
+8.00% |
+8.25% |
+8.50% |
N/A |
N/A |
| * 84 month term available
only on new vehicles over $40,000.00 |
| Moderatly Used (1-5
years old) |
| Paper/Term |
24 Mo. |
36 Mo. |
48 Mo. |
60 Mo. |
72 Mo. |
| Platinum |
-1.50% |
-1.25% |
-1.00% |
-0.75% |
-0.50% |
| A |
-1.25% |
-1.00% |
-0.75% |
-0.50% |
-0.25% |
| B |
-0.25% |
+/- 0.00% |
+0.25% |
+0.50% |
+0.75% |
| C |
+1.75% |
+2.00% |
+2.25% |
+2.50% |
+2.25% |
| D |
+4.50% |
+4.75% |
+5.00% |
+5.25% |
+5.50% |
| E |
+8.25% |
+8.50% |
+8.75% |
+9.00% |
+9.25% |
| Old (6 yrs. And older)
|
| Paper/Term |
24 Mo. |
36 Mo. |
48 Mo. |
60 Mo. |
| Platinum |
-1.00% |
-0.75% |
-0.50% |
-0.25% |
| A |
-0.75% |
-0.50% |
-0.25% |
+/- 0.00% |
| B |
+0.25% |
+0.50% |
+0.75% |
+1.00% |
| C |
+2.25% |
+2.50% |
+2.75% |
+3.00% |
| D |
+5.00% |
+5.25% |
+5.50% |
+5.75% |
| E |
+8.75% |
+9.00% |
+9.25% |
+9.50% |
| Unsecured Signature
& Revolving Line of Credit Loans |
| Paper/Term |
24 Mo. |
36 Mo. |
48 Mo. |
|
| Platinum |
8.50% |
9.00% |
9.50% |
|
| A |
9.00% |
9.50% |
10.00% |
|
| B |
9.50% |
10.00% |
10.50% |
|
| C |
10.00% |
10.50% |
11.00% |
|
| D |
12.00% |
12.50% |
13.00% |
|
| E |
14.00% |
14.50% |
15.00% |
|
Overdraft Loans 13.00%
| Revolving Line of Credit
|
| 36 mo. |
($1,000 - 3,000) |
| 48 mo. |
($4,000 - 5,000) |
| same as signature loan rates
|
Share Secured Loans
+3.00% APR above paid dividend rate.
HELOC's
4.00% First 12 Months
13th month prime rate plue 1.5 points
The rates are reviewed by the Board of Directors
on a quarterly basis and are subject to change
Dividend Rates
Proposed Rates 1st Quarter 2009
| Share |
0.00% DR |
0.00%APY |
| Club Account |
1.00% DR |
1.01%APY |
MMSA - Money Market
Share Accounts
Minimum deposit $1,000.00 (6 withdrawals
per quarter) |
| $1,000.00 and above |
0.75%DR |
0.75%APY |
Share Certificate Accounts
Pays quarterly to your share (savings)account
Minimum deposit $500.00 6, 12, and 18 months
Minimum deposit $1,000.00 24, 30, and 36 months |
| 6 months |
0.75%DR |
0.75%APY |
| 12 months |
1.00%DR |
1.01%APY |
| 18 month |
1.25%DR |
1.26%APY |
| 24 months |
1.50%DR |
1.51%APY |
| 30 months |
1.75%DR |
1.76%APY |
| 36 months |
2.00%DR |
2.01%APY |
|
