Effective as of: 07/01/2018

Home Equity Line of Credit
APR Term
4.00%* 5 Yr Draw Period - 15 Year Term

Conditions:
*Up to 1% Below Prime - Variable Rate.
Rate subject to change. Floor rate 3.25% maximum rate 18%. 80% Loan to Value - No initial closing cost. Rates adjust with credit worthiness.

Home Equity Fixed Line of Credit
APR Term
3.75% - First 3 years
4.25% - Remaining 7 years
10 Yr Draw Period - 15 Year Term

Conditions:
80% Loan to Value - No initial closing cost. Rates adjust with credit worthiness.

Fixed Home Equity Loan
APR Term
3.24% 5 Years
3.49%* - 3.74% 10 Years
3.99%* - 4.24% 15 Years

Conditions:
*Lower rate is for 1st lien position
80% Loan to Value - No initial closing cost. Rates adjust with credit worthiness.

Manufactured Home - Mobile Homes
APR Term
3.99% 5 Years
5.49% 6 - 7 Years
6.49% 8 - 10 Years
7.24% 11 - 15 Years
7.49% 20 Years*

Conditions:
*Restrictions apply
20% down - 80% Loan to Value. Rate adjust with credit worthiness. Call for more details.

Personal Loan
APR Term
9.49% 1 - 5 Years

Conditions:
$250 minimum $7,500.00 maximum. Rate adjust with credit worthiness.

Zero Credit Score Loan
APR Term
11.99% 6 Months - 1 Year

Conditions:
$250.00 maximum. Minimum employment 1 year.

Holiday Loan Special
APR Term
3.50% Up to 12 Months or less

Conditions:
$250 minimum - $2,000.00 maximum. Rate adjust with credit worthiness. New Money Only - No refinance.

Certificate Pledge Loan
APR Term
4.00% Over rate 3 Months - 4 Years

Conditions:
Up to 90% financing.

Share Pledge Loan
APR Term
4.00% Over rate 1 - 5 Years

Conditions:
Up to 90% financing.

Recreational Loan
APR Term
9.00% New 1 - 5 Years
9.50% Used 1 - 5 Years

Conditions:
20% down - 80% financing. Rate adjust with credit worthiness.

1st Mortgage
APR Term
Fixed/Adjustable n/a

Conditions:
Please call for details.

New/Used Auto Loan
APR Model Year
2.99%* - 3.99% 2017 - 2018
4.19%* - 5.19% 2015 - 2016
5.39% 2014
5.79% 2012 - 2013
6.09% 2011
6.59% 2009 - 2010

Conditions:
*60 month term or less.
Up to 72 month term. 0% down - 125% (of NADA retail value). Rate adjust with credit worthiness. Loyalty discount may lower rate.

New/Used Motorcycle Loan
APR Model Year
6.99% 2017 - 2018
8.99% 2010 - 2016
8.99%* 2009 or Older

Conditions:
*2009 or older, 20% down - 80% financing.
Up to 60 month term. 0% down - 125% (of NADA retail value). Rate adjust with credit worthiness.

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Loyalty discounts are based on the number of active accounts and services on a member's profile.
Loyalty discounts may apply to some new and used auto loans and do not include any personal loans, mortgage, equity loans or consumer loan specials.
(WSJ) Wall Street Journal Prime Rate 5.00% effective June 14, 2018.
Rates will be determined by individual credit worthiness. Account subject to individual approval.
(APR) Annual Percentage Rate. Maximum Equity Line or Equity Loan amount is $300,000.00.