|
|
Current as of April 1, 2013
| Vehicle Type |
Maximum Term |
ATV |
up to 4 years |
Boat |
up to 8 years |
Tractor |
up to 5 years |
Automobile |
up to 7 years |
Over 1-Ton Vehicle |
up to 7 years |
Motorcycle |
up to 7 years |
Motor Home |
up to 10 years |
Travel Trailer |
up to 10 years |
Movable Mobile/Manufactured Home† |
up to 10 years |
†Single
or Double - The annual percentage rate will be
based on a loan with 85% Loan-to-Value using an appraised
value. |
|
| Loan Term |
Annual Percentage Rate² |
3 years |
As Low As 2.65% |
4 years |
As Low As 2.90% |
5 years |
As Low As 3.40% |
6 years |
As Low As 4.15% |
7 years |
As Low As 5.15% |
8 years |
As Low As 5.50% |
9 years |
As Low As 5.60% |
10 years |
As Low As 5.70% |
|
|
| Auto Type |
Maximum Term |
ATV |
up to 4 years |
Boat |
up to 8 years |
Tractor |
up to 5 years |
Automobile* |
up to 5 years |
Over 1-Ton Vehicle |
up to 5 years |
Motorcycle* |
up to 5 years |
Motor Home |
up to 7 years |
Travel Trailer |
up to 7 years |
Movable Mobile/Manufactured Home† |
up to 10 years |
†Single
or Double - The annual percentage rate will be
based on a loan with 85% Loan-to-Value using an appraised
value.
*Models 4 years and older, maximum term is 4 years. |
|
| Loan Term |
Annual Percentage Rate² |
3 years |
As Low As 2.65% |
4 years |
As Low As 2.90% |
5 years |
As Low As 3.40% |
6 years |
As Low As 4.15% |
7 years |
As Low As 5.15% |
8 years |
As Low As 5.50% |
9 years |
As Low As 5.60% |
10 years |
As Low As 5.70% |
|
|
| Loan Type |
APR |
Secured |
As Low As 8.00% |
Unsecured |
As Low As 8.00% |
Insurance |
As Low As 8.00% |
Tuition |
As Low As 5.50% |
Vacation |
As Low As 8.00% |
Overdraft Protection |
As Low As 12.50% |
Problem Solver |
As Low As 16.25% |
|
|
Up to a 4 year term |
As low as 7.50% |
|
Up to a 12 yr ammortization
with a 1 yr balloon
|
2% above earnings on pledged
share account |
|
Term cannot exceed
certificate maturity |
2% above earnings on certificate |
|
| Visa Type |
Annual Percentage Rate |
|
8.90% |
|
12.90% |
|
12.90% |
Maximim
Credit Limit: $20,000. |
|
For current rates and availability of funds call
(225)342-6618 ext. 221
|
|
Share rates are
anticipated each quarter, and are subject to
revision by the Board of Directors. Dividends are calculated
by the average daily balance method which applies a periodic
rate to the average daily balance in the account for the
period.For current rates call(225)342-6618.
|
|
| Type |
Avg. Daily Balance |
Dividend Rate |
APY |
Regular Shares |
Min. $20 |
0.350% |
0.350% |
Escrow Shares |
Min. $20 |
0.350% |
|
Share Drafts |
|
0.200% |
0.200% |
Christmas Club |
$20 |
0.350% |
|
IRA Shares |
$5 |
0.350% |
0.350% |
APY
here stands for "Annual Percentage Yield" |
|
| Type |
Term |
Dividend Rate |
APY |
Share Certificate** |
6 months |
0.499% |
0.500% |
($500 minimum) |
1 year |
0.748% |
0.750% |
|
2 years |
0.996% |
1.000% |
|
3 years |
1.244% |
1.250% |
|
4 years |
1.739% |
1.750% |
|
5 years |
1.985% |
2.000% |
IRA Certificate** |
6 months |
0.599% |
0.600% |
($500 minimum) |
1 year |
0.748% |
0.750% |
|
2 years |
0.996% |
1.000% |
|
3 years |
1.244% |
1.250% |
|
4 years |
1.739% |
1.750% |
|
5 years |
1.985% |
2.000% |
APY here stands for "Annual Percentage Yield"
**Early Withdrawal penalty: smaller of the two: dividends earned or 30 days of dividends earned on 6 month & 1 year certificates; dividends earned or 90 days of dividends earned on 2, 3, 4 & 5 year certificates.
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