Rates
Loan Type Requirements Months A.P.R Annual Percentage Rate VISA CLASSIC/GOLD No Annual FEE 27 as low as 8.90% Stock Secured 50% of Market Value 120 6.95% Share Secured   2.5% over share secured rate Star Affordable Payment Plan Used & New Vehicles - 2005 and above models 24 & 36 48 & 60 4.95% 5.50% New Vehicles* 100% of M.S.R.P. 36 48 60 66 72 84 As low as 4.50% As low as 4.70% As low as 4.95% As low as 5.05% As low as 5.95% As low as 6.75% New RV’s* 100% of Sticker 48 60 61-84 120 As low as 5.15% As low as 5.75% As low as 6.75% As low as 7.05% Used Vehicles* 100% of NADA retail value 2004-2007 Models 48 60 66 72 As low as 4.70% As low as 4.95% As low as 5.05% As low as 6.25% Used Vehicles* 00-03 Models 36 48 As low as 5.95% As low as 6.10% Used Vehicles* 99-96 Models $0.00 to $1,000 $1,001 to $4,000 $4,001 and over 12 24 36 As low as 8.95% Used RV's* 80% of NADA retail value 60 As low as 7.05% Used RV's* $20,000 or greater 84 As low as 7.95% Personal Line of Credit Based on years service Min. $500 - Max .$12,000 48 As low as 5.95%         Specialty Based on years service Min. $500 - Max .$12,000 12 As low as 5.95% Appliance Loan up to 72 months 9.90% Student Loan Call for information New And Used Farm Equipment 60 36 9.95% 11.95% Mortgage *These rates for loans $30,000 and greater.  Add 1% to rates for loans less than $30,000 First/Refinance 180 240 360 Call for Quote Call for Quote Call for Quote Construction     6.00%         1/1 Adjustable Rate Mortgage   360 5.05% 3/1 Adjustable Rate Mortgage 360 5.30% 5 Year Balloon   360 5.40% Equity line of credit (variable rate) 90% appraised value 300 4.75% Home Improvement 85% of appraised value Max. $50,000 60 120 180 7.55% 7.69% 8.20% Unimproved Property 80% of appraised value 120 180 7.60% 8.15% Quick-Fix** Max. $10,000 Min. $4,000 60 As low as 6.65% * Rates may vary based on credit qualifications, term of loan, year of vehicle, equity in vehicle and mileage of vehicle. ** Rate is based on credit qualifications. Savings Rates A.P.Y. Annual Percentage Yield Regular Shares 0.25% Super Shares 1.50% Share Plus Balance Less that $25,000 Greater than $25,000 Greater than $50,000 1.35% 1.95% 2.20% Club Level Money Market Five Star & Silver Star Members Only $5000 - $49,999 $50,000 + 2.25% 2.76% Share Certificates 3 Months 6 Months 1 Year 2 Years 3 Years 5 Years 2.20% 2.50% 3.30% 3.60% 4.50% 4.75% Market Index Certificate Call for information IRA & Roth IRA Share 1.00% Health Savings Accounts 1.00% IRA/Roth/Education CD 1 Year 2Year                                                              3Year                                                                   3.45% 4.00%                     4.50%  Coverdell ESA   1.00% Holiday Club 0.70% Vacation Club 0.70% Business Draft 1.00% These rates reflect the annual percentage yield and are presented for the member's information only. Please contact the Credit Union for disclosures and account details.

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