Loan Rates

New & Used Autos

$100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail
J.D. Power Loan Value With No Options on Used Vehicles

Term APR* As Low As
24 Months 5.50%
36 Months 5.50%
48 Months 5.50%
60 Months 4.50%
72 Months 5.50%

New & Used Motorcycles

72 Months Maximum Term - 10 Years Old or Newer

Term APR* As Low As
24 Months 5.50%
36 Months 5.50%
48 Months 5.50%
60 Months 5.50%
72 Months 5.50%

New & Used Boats

$100,000 Maximum - 120 Months - 15 Years Old or Newer

Term APR* As Low As
24 Months 6.00%
48 Months 6.00%
72 Months 6.00%
96 Months 6.75%
120 Months 6.95%

New Recreational Vehicles

Jet Skis, Snowmobiles, ATVs, Tractors - 72 Months Max Term

Term APR* As Low As
24 Months 6.50%
36 Months 6.50%
48 Months 6.50%
60 Months 6.50%
72 Months 6.50%

Used Recreational Vehicles

Jet Skis, Snowmobiles, ATVs, Tractors - $25,000 Max - 48 Months Max

Term APR* As Low As
24 Months 8.75%
36 Months 8.75%
48 Months 8.75%

Motorhomes & RV Campers

$15,000 - $80,000 Max
144 Months Maximum Term - 90% of Value with 10% Down Payment or Equivalent Trade-In

Term APR* As Low As
24 Months 6.95%
48 Months 6.95%
72 Months 6.95%
96 Months 6.95%
120 Months 6.95%
144 Months 6.95%

Secured Loans

Share Secured

Type Term APR* As Low As
Share Secured - To Balance of Shares 120 Months 5.00%

**Loan Interest To Be Included in Secured Amount.

Certificate Secured

Type Term APR* As Low As
Certificate Secured - To Certificate Amount Term to Maturity Date 5.00%

**Loan Interest To Be Included in Secured Amount.

SECURED MASTERCARD

Type Amount APR* As Low As
Secured Mastercard $250 - $5,000 - Limit secured by share pledge 10.99% (Non-Variable Rate)

Unsecured Loans

PERSONAL LOANS (CLOSED END)

$20,000 Max

Range Rating Rate Term
730+ A+ 6.75% 72 Months Max
680-729 A 6.75% 72 Months Max
640-679 B 6.85% 72 Months Max
600-639 C 6.95% 72 Months Max
550-599 D 12.95% 36 Months Max
Under 550 E 13.95% 36 Months Max

Mastercard - Non-Variable Rate

Maximum APR* As Low As
$25,000 8.99%

Home Equity

Term Amount APR* As Low As
15 Years $40,001 - $100,000 6.05%

Real Estate Loan Rates

First Mortgage Loans - New Purchase & Refinance

60-Day Rate Lock Only - 1 Point Required for 90-Day Lock-In.

Term Amount APR* As Low As
10 Years $20,000 - $650,000 5.95%*
15 Years $20,000 - $650,000 5.95%*
20 Years $20,000 - $650,000 5.95%*
25 Years $20,000 - $650,000 5.95%*
30 Years $30,000 - $650,000 5.95%*

First Mortgage "High LTV" Loans

(Purchase or Refinance Loans with an LTV% of 80.01%-95.00%)

Does Not Apply to Mini Mortgage Loan Product

LTV% 0 - 10 Years 10+ - 15 Years 15+ - 20 Years 20+ - 25 Years 25+ - 30 Years
80% & Below 5.95% 5.95% 5.95% 5.95% 5.95%
80.01% - 85% 6.05% 6.05% 6.05% 6.05% 6.05%
85.01% - 90% 6.10% 6.10% 6.10% 6.10% 6.10%
90.01% - 95% 6.20% 6.20% 6.20% 6.20% 6.20%

*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan.
Loan Rates and Terms are subject to change without notice.