Rates

Secured & Unsecured Personal Loans

Secured Consumer Loans

Account Type	APR	Comments
Share Variable	2.5% over dividend rate	2.5% over current share dividend, adjusted quarterly.
Certificate	2.5% over dividend rate	2.5% over certificate dividend rate.  The loan maturity must match the maturity of the certificate.
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Unsecured/Signature Loans

Account Type	Type	APR	Maximum Term	Loan Amount	Monthly Payment
12 months	Closed-end	14.9%	up to 12 months	$1,000.00	$90.21 per $1,000***
24 months	Closed-end	14.9%	up to 24 months	$1,000.01 - $2,500.00	$48.45 per $1,000***
36 months	36 months	Closed-end	15.9%	$2,500.01 - $5,000.00	$35.12 per $1,000***
Revolving	Open-end* Revolving	Prime plus 7.25%	$250.00 - $3,500.00	$4.16/$100.00 (Min $35.00)	Revolving Account
Overdraft	Open-end* Overdraft	Prime plus 7.25%	$500	$4.16/$100.00 (Min $35.00)	Revolving Account
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VISA® 25 Day Grace*

Account Type	APR	Loan Amount	Monthly Payment	Total Finance Charge	Total Payments	Comments
VISA Credit Card	12.9%*	$5,000.00	2% of balance or $10.00 per $1,000	Revolving Account	Revolving Account	Fixed-rate VISA.  Maximum rate of 16.5% APR.
*VISA - 25 Day Grace is a fixed rate Visa.  12.9% APR is available until 06/30/08.  The maximum annual rate is 16.50%.  Return to top