Rates

Effective 7/1/14

Rate disclosed is lowest possible rate and may be higher depending on current or past credit history. Loans are subject to membership eligibility, credit approval and application. Down payment requirements are based on credit score. Certain conditions may apply. APR denotes Annual Percentage Rate.

Members who choose 2 of the 4 products may qualify for a .50% discount on loans.
Home Equity Loans, Mortgages and Visa Cards are exempted.

 

New Automobile Loans - up to 110% OF MSRP

 

Term

APR As Low As

1 - 5 Years

3.49%

6 Years

3.99%

 7 Years

3.99% 

 

Used Automobile/Motorcycle Loans 

Model Year

APR As Low As

2013-2011

3.49%

2013-2011 over $15,000

3.99%

2010-2006

4.75%

2005 & Older 

4.75% 

  • Classic Vehicles - 90% appraised value Purchase Vehicle - AS LOW AS 8.75%
  • Collateral Loan - AS LOW AS 10.50% 
    $6,000 and over can be financed for 5 years
     
    Unit cost example based on $15,000 loan with 60 monthly payments of 18.24 per $1000 borrowed
       

     

     

Boat/Recreational Loans

 

  • Rate disclosed is lowest possible rate and may be higher depending on current or past credit history. Loans are subject to membership eligibility, credit approval and application. APR denotes Annual Percentage Rate.

Loan Type

Amount

Term

APR As Low As

New Boat/Recreational -
$50,000 Max

up to $10,000

up to $25,000

greater than $25,000

60 Months

84 Months

120 Months

7.25%

7.25%

7.50%

Used Boat/Recreational -
$50,000 Max

up to $10,000

up to $25,000

greater than $25,000

60 Months

84 Months

120 Months

8.75%

8.75%

9.00%

Lawn Tractors/
Enclosed Hauling Trailers

$4,000 Maximum

36 Months

 15.00%

 

Signature/Personal Loans

  • Rate disclosed is lowest possible rate and may be higher depending on current or past credit history. Loans are subject to membership eligibility, credit approval and application. APR denotes Annual Percentage Rate.

Amount

Term

APR As Low As

$1,000 or less
$1,001 - $1,500
$1,501 - $2,000
$2,001 - $4,000
$4,001 - $6,000 
$6,001 - $10,000

 

12 Months
18 Months
24 Months
36 Months
48 Months
60 months

 

11.00%

 NEW CREDIT BUILDER LOAN - 18% APR - 6 MONTH TERM $500 LIMIT - Ask for Details

Fixed Rate Home Equity Loans

  • Rate disclosed is lowest possible rate and may be higher depending on current or past credit history. Loans are subject to membership eligibility, credit approval and application. APR denotes Annual Percentage Rate.

 

 

Amount

Term

APR As Low As

up to $150,000

 up to 180 months

 

 Call 419-865-4933 for rates

 

            Variable Rate lines of credit also available which is based on the prime rate disclosed in the Wall Street Journal, adjusted semi-annually

  • Home Equity Loans are based on 75% to 90% of the appraised value minus 1st mortgage (depending on credit score). 
  • Additional information may be requested at time of application review to conform with federal guidelines regarding HMDA
  • Call for current rate 419-865-4933

    Unit cost example based on $25000 loan with 120 monthly payments of 10.16 for every $1000 borrowed

Home Equity Disclosure & Booklet
     

 

 

Investment Accounts

Rates are expressed in Annual Percentage Yields (APY*)
Dividends cannot be paid in excess of earnings
Certificates require a $1000 minimum balance
$100 minimum balance required to earn dividends on Shares and Christmas Club
$5,000 minimum daily balance required on Money Market Accounts to earn dividends
$500 minimum balance required on IRA Shares
Fees could reduce the earnings on these accounts
A penalty will or may be imposed for early withdrawal on share certificates
Share account rates may change quarterly as directed by the Board of Directors
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day

 

 

 

 

 

 Investment Type

    Dividend Rate

   APY*

Shares

.15%

.15%

Christmas Club

.07%

.07%

 

 

 

IRA Shares

.20%

.20%

     
Money Market Account (tiered rates)    
$5k-$9,999

  .20%

 .20%

$10k-$49,999

 .30%

.30%

$50k-$99,999

 .40%

  .40%

$100k-$149,999

.50%

.50%

$150k - $249,999

.60%

.60%

$250K+

     .75%

  .75%

6 Month Share Certificate                 

.25%

.25%

12 Month Share Certificate

.35%

.35%

24 Month Share Certificate

.55%

.55%

36 Month Share Certificate

.996%

          1.00%          

48 Month Share Certificate

 1.145%

 1.15%


 

Investment  Rates are accurate as of 07/01/2014

 

FEE SCHEDULE

 


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