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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*
|
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|
| Hybrid Promotion - |
|
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| 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. |
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| 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. |
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| 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.
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| *APR is the Annual Percentage Rate. |
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