Consumer Loan Rates

**RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE**
Effective 1/01/2014

Amount Terms Annual
Percentage Rate
Monthly Payment
(per $1,000)
Equity Line
$7,500 minimum
$100,000 maximum
70% of assessed value
80% of appraised value
10 Year Balloon 3.250%** Interest only
Fixed Rate Equity Loans (2nd Mortgage)
$7,500 minimum
$100,000 maximum
70% of assessed value
80% of appraised value
36 months 3.875% $29.47
48 months 4.125% $22.64
60 months 4.375% $18.59
72 months 4.625% $15.93
120 months 4.875% $10.55
180 months 5.125% $7.97
Personal Loans
$1,000 minimum
$10,000 maximum
24 months 8.500% $45.46
36 months 8.750% $31.68
New Autos
80% of Purchase Price 36 months 3.500% $29.30
48 months 3.750% $22.47
60 months 4.000% $18.42
Used Autos
80% of Purchase Price
or 80% of Book Value
(whichever is less).
24 months 4.625% $43.70
36 months 4.875% $29.91
48 months 5.125% $23.09
60 months 5.375% $19.04
Home Improvement Owner Occupied (unsecured)
$2,000 minimum
$10,000 maximum
36 months 5.250% $30.08
48 months 5.500% $23.26
60 months 5.750% $19.22

Equal Housing Lender

*APR for equity lines is subject to increase after the loan closes with a maximum rate of 18%

**Equity line adjusts monthly based on changes in the highest prime rate (plus 0) as listed in the Wall Street Journal's "Money Rates."