Rates

Loan Rates

Home Equity Lines & Loans

Type	Term	APR *	Checking with Autopay APR as low as	Checking with Autopay and Direct Deposit APR as low as
3 Year Balloon	Up to 80% LTV	5.99%	5.49%	4.99%
5 Year Balloon SPECIAL	Up to 80% LTV	4.99%	4.49%	3.99% ($10,000 new money required)
7 Year Balloon	Up to 80% LTV	6.99%	6.49	5.99%
10 Year Balloon SPECIAL	Up to 80% LTV			4.80% ($10,000 new money required)
LTV= Loan to Value. Up to 30-year amortization.  Minimum loan amount of $10,000 new money. Your rate is determined by your account relationship and credit score. * APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score.  Return to top

Home Equity Line of Credit

Home Equity Line of Credit	Term	APR *	Checking with Autopay APR as low as	Checking with Autopay and Direct Deposit APR as low as
Home Equity Line of Credit	Up to 80% LTV	4.00%	---	4.00%
LTV = Loan to Value.  Minimum line amount $10,000.  Variable rates tied to  Wall Stret Prime Rate Your rate is determined by your account relationship and credit score. * APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score.  Return to top

New Auto Loans

Type	Term	APR *	Checking with Autopay APR as low as	Checking with Autopay and Direct Deposit APR as low as	Model Years
New Auto Loan	72 Months	5.49%	4.99%	4.49%	2009-2010
New Auto Loan	84 months ($30K min.)	as low as 5.99% APR	5.49%	4.99%	2009-2010
LTV = Loan to Value. Your rate is determined by your account relationship and credit score. * APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score.  Return to top

Pre-Owned Auto Loans

Type	Term	APR *	Checking with Autopay APR as low as	Checking with Autopay and Direct Deposit APR as low as	Model Years
Pre-Owned Auto Loans	66 months	4.99%	4.49%	3.99%	2005-2009
	48 months	6.99%	6.49%	5.99%	2003-2004
	36 Months	6.99%	6.49%	5.99%	2002 & Older
Your rate is determined by your account relationship and credit score. * APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score.  Return to top

Boat & RV Loans

Type	Term	APR *	Checking with Autopay APR as low as	Checking with Autopay and Direct Deposit APR as low as	Loan Amount
Boat & RV Loans	66 Months	4.99%	4.49%	3.99%	Any Amount
	84 months (up to 84 month amortization) as low as	9.49%	8.99%	8.49%	$5000-$7500
	120 Months	7.99%	7.49%	6.99%	$7501-$15000
	120 Months	7.24%	6.74%	6.24%	$15,001-$25,000
	120 months (up to 180 month amortization) as low as	6.74%	6.24%	5.74%	$25,001 or higher
(2005 and newer.  Ask for financing rates on 2004 and older.) Your rate is determined by your account relationship and credit score. * APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score. ** Monthly payments are based on payment per $1000 for the terms noted and lowest rate available with checking, autopay and direct deposit.  Minimum loan amoun is $1000.  Return to top

Personal Loans

Type	APR *	Checking with Autopay APR as low as	Checking with Autopay and Direct Deposit APR as low as
Secured** (Jet Skis, ATVs, etc.)	4.99%	4.49%	3.99%
Kwik-Cash Line of Credit	13.90%
Unsecured as low as	9.74%	9.24%	8.74%
** All secured loans will be priced at .50 additional for every 6 months beyond standard terms available. Your rate is determined by your account relationship and credit score.  Return to top

Lot and Land Loans

Type	APR *	Checking with Autopay APR as low as	Checking with Autopay and Direct Deposit APR as low as	Amortization
One Year Balloon	as low as 5.99% APR	as low as 5.49% APR	as low as 4.99% APR	Up to 30 years
3 Year Balloon	6.49%	5.99%	5.49%
Your rate is determined by your account relationship and credit score. * APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score.  Return to top