| L O A N R A T E S |
| Risked Based Rates: Term: APR Rates: (by credit score) -100 -70 0 +125 +300 +550 Basis Pts. Basis Pts. Basis Pts. Basis Pts. Basis Pts. Basis Pts. A+ A B C D E 730+ 729-680 679-640 639-600 599-550 549-lower Secured: New Auto/Truck 1-36 months 5.44% 5.74% 6.44% 7.69% 9.44% 11.94% Motorcycle 37-60 months 5.99% 6.29% 6.99% 8.24% 9.99% 12.49% 2008 & Newer** 61-72 months 6.29% 6.59% 7.29% 8.54% 10.29% 12.79% Used Auto/Truck 1-36 months 6.44% 6.74% 7.44% 8.69% 10.44% 12.94% Motorcycle 37-60 months 6.74% 7.04% 7.74% 8.99% 10.74% 13.24% 2007-2006** Used Auto/Truck 1-36 months 7.44% 7.74% 8.44% 9.69% 11.44% 13.94% Motorcycle 37-48 months 7.74% 8.04% 8.74% 9.99% 11.74% 14.24% 2005 & Older** New RV/Camper 1-48 months 6.61% 6.91% 7.61% 8.86% 10.61% 13.11% Boat/Off Road 49-96 months 6.86% 7.16% 7.86% 9.11% 10.86% 13.36% 2008 & Newer** 97-120 months 8.00% 8.30% 9.00% 10.25% 12.00% 14.50% Used RV/Camper 1-48 months 7.61% 7.96% 8.61% 9.86% 11.61% 14.11% Boat/Off Road 49-96 months 8.16% 8.51% 9.16% 10.41% 12.16% 14.66% 2007-2006** 97-120 months 9.11% 9.46% 10.11% 11.36% 13.11% 15.61% Used RV/Camper 1-48 months 8.61% 8.96% 9.61% 10.86% 12.61% 15.11% Boat/Off Road 49-96 months 8.86% 9.16% 9.85% 11.11% 12.86% 15.36% 2005 & Older** 97-120 months 10.11% 10.41% 11.11% 12.36% 14.11% 16.61% Personal: 1-12 months 8.00% 8.30% 9.00% 10.25% 12.00% 14.50% 13-24 months 9.50% 9.80% 10.50% 11.75% 13.50% 16.00% 25-36 months 11.00% 11.30% 12.00% 13.25% N/A N/A 37-48 months 12.50% 12.80% N/A* N/A N/A N/A *(Base rate for category is 13.50%. 48 mo. for A+ and A scores only) Home Equity: Maximum Amount of 85% of Appraised Value (minus current mortgage) 1-60 months 6.40% Maximum Amount of 80% of Aprraised Value (minus current mortgage) 61-120 months 6.90% 121-180 months 7.25% Unsecured: Overdraft Maximum Amount of $3,000.00 15.00% Line of Credit Maximum Amount of $6,000.00 15.00% DISCLOSURES * If a book value is unavailable, an appraisal from a qualified appraiser can be used. ** Annual Percentage Rate is determined by individuals credit worthiness. ~ Relationship Discount: Checking with Debit Card and Direct Deposit gets you .50% off on all consumer loans excluding Home Equity, Overdraft & LOC accounts. ~ Silver Savers are entitled to a .50% rate reduction on all consumer loans (not Home Equity, Overdraft/LOC) LOAN LIMIT - UNSECURED: LOAN LIMIT - SECURED: A+ & A = Up to 3 times net monthly income A+, A & B = Up to 100% of MSRP B & C = Up to 2 times net monthly income C = Up to 90% of MSRP D & E = Up to 1 times net monthly income D & E = Up to 80% of MSRP OVERDRAFT: Line Amount: $1 - $500 $501- $1,000 $1,001- $1,500 $1,501- $2,000 $2001-$3000 Minimum Payment: $25.00 $30.00 $45.00 $60.00 $75.00 LINE OF CREDIT: Line Amount: $1 - $1,000 $1001 - $2000 $2001-$3000 $3001-$4000 $4001-$5000 $5001-$6000 Minimum Payment: $50.00 $100.00 $150.00 $200.00 $250.00 $300 |
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| Effective 10/21/09 |
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