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Loan Rates
04/01/2014

Subaccount Type
Approximate Term
Margin
 
ANNUAL PERCENTAGE RATE Variable*
Daily Periodic   Rate
ANNUAL PERCENTAGE RATE Fixed
Daily Periodic Rate
Personal
60 months
11.00%
As low as
13.00%
0.0356164%
16.00%
0.0438356%
26.50%
As high as
28.50%
0.0780822%
31.50%
0.0863014%
New & Used Autos-
For Tier 1 and New Money Only
60 months or less
75,000 miles or less on a 5 model year and newer vehicle
0.75%
Tier 1
2.75%
0.0075342%
4.99%
0.0136712%
New & Used Autos
72 months or less
1.45%
As low as
3.45%
0.0094521%
5.99%
0.016411%
18.99%
As high as
20.99%
0.0575068%
23.99%
0.065726%
New RV Loan*
100% Financing
Up to 120 months
4.49%
As low as
6.49%
0.0177808%
9.49%
0.026%
19.99%
As high as
21.99%
0.0602466%
24.99%
0.0684658%
Used RV loans*
100% Financing
Up to 84 months
4.49%
As low as
6.49%
0.0177808%
9.49%
0.026%
19.99%
As high as
21.99%
0.0602466%
24.99%
0.0684658%
New and Used ATV and Personal Watercraft*
100% Financing
Up to 60 months
8.49%
As low as
10.49%
0.0287397%
13.49%
0.0369589%
11.99%
As high as
13.99%
0.0383288%
16.99%
0.0465479%
Share Secured
3% above share rate
120 months
1.05%
 
3.05%
0.0083562%
 
 
Share Certificate
Secured
Remaining term of Share Certificate
  APR is 3% above Share Certificate Rate
Debt Consolidation
40 months
  11.99% 0.0328493%
PROMOTIONAL LOAN RATE-FOR NEW PURCHASE MONEY ONLY
No promotional rates at this time.
FEES
Late Charge
If payment is not received in full within 10 days after it is due, you will pay a late charge of 5% of the part that is late.
Return Payment
$25.00
Re-pricing and Extension fees
$100.00
Collection Costs
You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.

Your starting annual percentage rate may vary depending on credit worthiness and collateral value.
*The VARIABLE ANNUAL PERCENTAGE RATE may change.
Please ask a loan officer for details regarding how your rate is determined.
*Minimum monthly payment of Recreational Vehicle, ATV, and Personal Watercraft Loans is $150 per month
RVs consist of Motorhomes, Travel Trailers, Boats, Motorcycles

Click Here to apply for a loan

March t-bill rate:
0.080%
t-bill rate: (rounded up to the nearest quarter of a percent)
0.25%
Floor: (floor plus margin equals annual percentage rate)
2.00%
Regular shares rate:
0.050%

Representative Example: A 72 month loan of $15,000 at 2.99% APR with 100% financing, would require 71 payments at $227.87 with one final payment of $227.34

The interest rate in this plan is a variable and is either (1) a Continuously Variable rate, or (2) a Fixed Rate. You will determine which type applies at the time a loan is made. You must indicate your choice to us then. You may not later change without our consent.

(1) Continuously Variable Rate Advance. On the 1st day of each month, your interest rate may change. This will apply to existing balances as well as new advances. We determine the applicable rate according to the following variable rate formula: THE ANNUAL PERCENTAGE RATE is based on the 3rd week auction of the 26 week Treasury Bill (index), rounded upward to the nearest quarter percent. To this figure we add the margin shown on the reverse side. There will be a floor of 2% for the index on all variable rate loans unless stated otherwise.

Any increase in the ANNUAL PERCENTAGE RATE will result in more payments of the same amount until what you owe has been repaid. Example: If your loan was for $15,000 at 6.0% with a term of 5 years and the rate increased to 7.0% after 1 year you would make 2 additional monthly payments.

(2) Fixed Rate Advance. The rate that will apply will be established at the time a loan is made. This rate will remain fixed until this loan is paid in full.

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