Loan Rates
As of October 6, 2008
| New Autos |
| Credit Level |
36 Months |
48 Months |
66 Months |
72 Months |
84 Months |
| Premier Plus |
6.49
% |
6.49
% |
6.75
% |
7.00
% |
7.99
% |
| Premier |
6.75
% |
6.75
% |
7.00
% |
7.74
% |
8.74
% |
| Standard |
7.49
% |
7.49
% |
7.99
% |
9.00
% |
10.49
% |
| Credit Builder |
10.99
%-
16.99
% |
10.99
%-
16.99
% |
11.99
%-
16.99
% |
12.25
%-
15.24
% |
N/A |
Loans up to 100% of purchase price or 100% of Retail (High) Kelley Blue Book, including tax and license. 84 month terms possible with financing $20,000 or more and those with a credit level of Standard, Premier, or Premier Plus. Credit Builder borrowers may be required to provide a larger down payment.
| Used Autos |
| Credit Level |
36 Months |
48 Months |
66 Months |
72 Months |
84 Months |
| Premier Plus |
6.49
% |
6.49
% |
6.75
% |
7.00
% |
9.99
% |
| Premier |
7.25
% |
7.25
% |
7.25
% |
8.00
% |
10.24
% |
| Standard |
7.75
% |
7.75
% |
8.24
% |
9.24
% |
10.99
% |
| Credit Builder |
12.24
%-
17.24
% |
12.24
%-
17.24
% |
12.49
%-
17.49
% |
12.49
%-
16.74
% |
N/A |
Loans up to 100% of Retail (High) Kelley Blue Book, upon approved credit. Credit Builder borrowers may be required to provide a larger down payment.
| Visa Lines of Credit |
| Type |
Maximum Limit |
APR |
| Gold Plus |
$30,000 |
Prime + 2.70
% |
| Gold |
$30,000 |
Prime + 2.70
% |
| Classic |
$5,000 |
Prime + 7.10
% |
| Student |
$1500 |
Prime + 9.20
% |
Visa Cardholder Information
As of 02/19/08
 |
|
|
| Annual percentage rate for purchases and cash advances |
|
Variable rate information |
|
Grace period for repayment of balance for purchases |
|
Annual Fee |
|
Transaction fee for cash advances and fees for late payment |
|
Visa Gold:
7.70%
Visa Gold Plus:
7.70%
Visa Classic:
12.10%
Student Visa:
14.20% |
For the Visa Accounts, the annual percentage rate may vary and the rate is determined by adding a margin to the Prime Rate Index.
Visa GOLD: The rate is equal to the Prime Rate plus 2.70
%.
Visa GOLD PLUS: The rate is equal to the Prime Rate plus 2.70
%
Visa CLASSIC: The rate is equal to the Prime Rate plus 7.10
%
Student Visa: The rate is equal to the Prime Rate plus 9.20
%
|
You have 25 days to repay your balance for purchases before a finance charge will be imposed. |
Visa Gold: None
Visa Gold Plus: $19.95
Visa Classic: None
Student Visa: None
|
Cash advance: 2% of advance but not less than $2.
Late payment: $20
Overlimit fee:
Visa Gold: $20
Visa Gold Plus: $20
Visa Classic: $15
Student Visa: $15
Sales Draft copies: $6 per copy.
NSF checks: $27 each check returned for non–sufficient funds.
|
|
|
|
|
|
|
|
|
|
| Signature Line of Credit |
| Term |
Maximum Limit |
APR |
| Revolving |
$10,000 |
Prime
% |
| Unsecured Signature Loan |
| Credit Level |
24 Months |
48 Months |
| Premier Plus |
10.50
% |
11.50
% |
| Premier |
11.50
% |
11.75
% |
| Standard |
14.50
% |
15.50
% |
| Credit Builder |
16.50-18.00
% |
17.50-18.00
% |
Maximum loan amount $30,000, minimum loan amount $500.00.
| Savings Secured |
| Term |
Maximum Loan |
APR |
| Up To 60 Months |
Account Balance |
6.00
% |
| Certificate Secured |
| Term |
Maximum Loan |
APR |
| Due At CD Maturity |
Account Balance |
CD Rate + 2.25
% |
| Miscellaneous Secured and Personal Loans |
Type |
Maximum Term |
Maximum Loan |
LTV** |
Motorcycle—New |
66 months*
|
$35,000 |
100% |
Motorcycle—Used |
66 months |
$25,000 |
75% |
Motorhome—New |
144 months |
$100,000 |
90% |
Motorhome—Used |
144 months |
$70,000 |
80% |
Vessel— New |
144 months |
$75,000 |
80% |
Vessel—Used† |
144 months |
$50,000 |
75% |
* Up to 72 month term available with $15,000 or more financed.
† Marine survey may be required.
| Miscellaneous Secured Loan Rates |
| Credit Level |
APR |
| Premier Plus |
9.99
% |
| Premier |
10.24
% |
| Standard |
11.99
% |
| Credit Builder |
14.24
%—18.00
% |
| Mortgage Loans |
| Contact our Mortgage Lending Department for details on: |
| Home Equity Line of Credit |
| No Equity-Home Equity Line of Credit |
| Owner and Non-Owner Occupied First Mortgages |
| Owner-Occupied Second Mortgages |
| Fixed and Adjustable-Rate Loans |
| Mobile Home Loans |
| Mobile Home Equity Lines of Credit |
Rates are subject to change daily. Please call 831.479.6000 to obtain current rate information.
| APR — |
Annual Percentage Rate |
** |
Excluding Tax & License |
| LTV — |
Loan to Value |
*** |
Consult Your Tax Advisor |
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