Consumer Loan Rates
Rates are effective January 18, 2010
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Personal Loans
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| Maximum Amount | Standard Annual Percentage Rate | Cost Per Thousand | Advantage Gold Checking PreAuth Annual Percentage Rate | Cost Per Thousand |
| $10,000 | 12.99% | $22.75 | 12.74% | $22.62 |
| Bill Consolidation | 12.99% | $22.75 | 12.74% | $22.62 |
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Auto Loans
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| New And Used | Maximum Term | Standard Annual Percentage Rate | Cost Per Thousand | Advantage Gold CheckingPreAuth Annual Percentage Rate | Cost Per Thousand |
| **2009/2010 | 72 months | 6.74% | $16.93 | 6.49% | $16.81 |
| *2009/2010 | 66 months | 6.54% | $18.08 | 6.29% | $17.97 |
| 2009/2010 | 60 months | 5.99% | $19.33 | 5.74% | $19.22 |
| 2008 | 60 months | 5.99% | $19.33 | 5.74% | $19.22 |
| 2007 | 60 months | 6.49% | $19.57 | 6.24% | $19.45 |
| 2006 | 60 months | 6.99% | $19.80 | 6.74% | $19.68 |
| 2005 | 54 months | 7.74% | $21.99 | 7.49% | $21.87 |
| 2004 | 48 months | 8.24% | $24.53 | 7.99% | $24.41 |
- Maximum LTV New = 100% of MSRP
- Maximum LTV Used = 100% NADA Retail
- Vehicles with over 90,000 miles or older than 2004 model year EXCLUDED from programs.
- *Minimum $10,000 amount financed on 66-month term
- **Minimum $20,000 amount financed on 72-month term
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Boat Loans
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| New And Used | Maxmimum Term | Standard Annual Percentage Rate | Cost Per Thousand | Advantage Gold Checking PreAuth Annual Percentage Rate | Cost Per Thousand |
| New Boat Loans | 180 months | 8.99% | $10.14 | 8.74% | $9.99 |
| Used Boat Loans | 120 months | 9.99% | $13.21 | 9.74% | $13.08 |
- Maximum LTV New Boats = 80% of Purchase Price
- Maximum LTV Used Boats =NADA Wholesale Value
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Recreation Vehicles
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| Type | Maximum Term | Standard Annual Percentage Rate | Cost Per Thousand | Advantage Gold Checking PreAuth Annual Percentage Rate | Cost Per Thousand |
| New Motor Homes and Campers | 180 months | 8.24% | $9.70 | 7.99% | $9.55 |
| Used Motor Homes and Campers | 120 months | 8.99% | $12.67 | 8.74% | $12.53 |
| New Motorcycles, Ski Mobiles, and all others | 60 months | 8.99% | $20.76 | 8.74% | $20.64 |
| Used Motorcycles, Ski Mobiles and all others | 48 months | 9.99% | $25.36 | 9.74% | $25.24 |
- Maximum LTV on all NEW RV’s – 90% of Purchase Price
- Maximum LTV on all USED RV’s – 80% of Purchase Price
- Full Fire, Theft and Collision insurance required on motorcycle, motor homes and camper loans
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Monthly Collateral Loans
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| Maximum Amount | Standard Annual Percentage Rate | Cost Per Thousand |
| $50,000 | 7.50% | $11.87 |
- Maximum Advance = 90% of savings and account balance
- Term of loan cannot exceed maturity date of account
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Revolving Credit
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| Maximum Amount | Standard Annual Percentage Rate | Cost Per Thousand |
| $5,000 * (overdraft) | 15.75% | N/A |
- Annual fee * = $20.00
- The annual percentage rates (APRs) shown are subject to change without notice
