Loan Rates

Rates Effective As Of September 1, 2010.  Rates Subject To Change Without Notice.

VEHICLE LOANS
48 MONTHS
60 MONTHS
72 MONTHS
2009 & Newer
5.50% APR*
5.50% APR*
5.50% APR*
2008 - 2003
6.25% APR*
6.25% APR*
2002 & Older
6.50% APR*
Hybrid Promotion -
Risk Based Pricing does not apply to Hybrid promotional rate. Auto Rates can go as low as 4.5% APR*.
*APR is the Annual Percentage Rate.


STREET MOTORCYCLE LOANS
48 MONTHS
60 MONTHS
72 MONTHS
2009 & Newer
5.50% APR*
5.50% APR*
5.50% APR*
2008 - 2003
6.25% APR*
6.25% APR*
2002 & Older
6.50% APR*
*APR is the Annual Percentage Rate.


BOAT LOANS
60 MONTHS
84 MONTHS
120 MONTHS
New (Current Model Year Not Previously Titled)
8.50% APR*
8.75% APR*
9.00% APR*
Used (Up To 10th Previous Model Year)
8.50% APR*
8.75% APR*
9.00% APR*
*APR is the Annual Percentage Rate.


ATV LOANS
60 MONTHS
New
8.50% APR*
Used
8.75% APR*
*APR is the Annual Percentage Rate.


MOTOR HOME (RV) & CAMPER LOANS
60 MONTHS
84 MONTHS
120 MONTHS
180 MONTHS
New (Current Model Year Not Previously Titled)
8.50% APR*
8.75% APR*
9.00% APR*
9.50% APR*
Used (Up To 10th Previous Model Year)
8.75% APR*
9.00% APR*
9.50% APR*
-
*APR is the Annual Percentage Rate.


LAWN & GARDEN EQUIPMENT LOANS
48 MONTHS
72 MONTHS
New
7.00% APR*
7.00% APR*
Used
8.50% APR*
-
*APR is the Annual Percentage Rate.

**Risk Based Pricing (RBP) Applies to Above Rates Except Hybrid Promotional Rate.

HOME EQUITY CLOSED END LOANS
  5 Years
Not currently available
10 Years
Not currently available
15 Years
Not currently available
*APR is the Annual Percentage Rate.


HOME EQUITY LINE OF CREDIT
 
Prime Minus 0.50% APR*
*APR is the Annual Percentage Rate.


VISA CREDIT CARD
 
As low as 9.9% APR* (6.90% First 6 Months)
Interest Rates and Interest Charges
Annual Percentage
Rate(APR) for Purchases

Introductory APR
9.90%, 11.90%, or 19.90% when you open your account, based on your creditworthiness.

6.90%  Your introductory APR applies only to purchases and is valid for six (6) months  from account opening.
APR for Balance Transfers
6.90% This APR is in effect for six (6) months from the transfer date.
APR for Cash Advances
9.90%, 11.90%, or 19.90%
How to Avoid Paying
Interest on Purchases


Website for Additional Information
You have at least 25 days after the close of each statement period to pay your balance in full without being charged interest. There is no grace period for cash advances.

To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard.

Fees
   Transaction Fees
  • Foreign Transaction Fee

Up to 1% of each transaction in U.S. dollars.
   Penalty Fees
  • Late Payment Fee
  • Returned Payment

$16.50 assessed fifteen (15) days after due date.
$25
   Other Fees
  • Draft Copy Fee
  • Replacement Card Fee
  • Statement Copy Fee
  • Card Center Phone Payment Fee

$5
$5
$1
$3
The minimum monthly payment is 2% of your total new balance or the overlimit amount, whichever is greater, but not less than $20.00 plus the amount of any unpaid prior payments due. Payments greater than $1,000 may not be part of your available credit for three (3) business days. Your payment is due the 13th of every month.
How We Will Calculate Your Balance: We use a method called “average daily balance (including current transactions).” See your account agreement under Finance Charge for more details.
Information contained in this Credit Disclosure is accurate as of 7/01/2010 and is subject to change thereafter. To obtain more recent information, please call us at 1-800-289-5939.
*APR is the Annual Percentage Rate.
     
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