Loan Rates (effective 2/3/2012)

NMLS# 501107
Wall Street Journal Prime Rate = 3.25%

AUTOMOBILE LOANS Apply Online	Rate	Points	APR*
New Autos
2011 Models (maximum term 60 months)	3.95%	0	3.95%
Used Autos
2010-2009 Models (maximum term 48 months)	5.75%	0	5.75%
2008-2007 Models (maximum term 48 months)	6.25%	0	6.25%
2006 Models (maximum term 36 months)	6.75%	0	6.75%
10% Down payment required on purchases.
(Example: A $1,000 loan on a new auto amortized over 60 months at a rate of 3.95% would have a monthly principal and interest payment of $18.39.

HOME IMPROVEMENT LOANS (maximum term 15 years) Request Information	Rate	Points	APR*
Fixed Rate
1st Lien	4.00%	0	4.00%
2nd Lien	5.75%	0	5.75%
Minimum $20,000 - Maximum $250,000 loan
Example: A $20,000 loan amortized over 180 months at a rate of 4.00% would have a monthly principal and interest payment of $147.94.

HOME EQUITY LOANS (maximum term 15 years) More Information	Rate	Points	APR*
Fixed Rate
1st Lien	4.50%	0	4.50%
2nd Lien	6.25%	0	6.25%
Minimum $20,000 - Maximum $250,000 loan
Example: A $20,000 loan amortized over 180 months at a rate of 4.50% would have a monthly principal and interest payment of $153.00.

HOME MORTGAGES More Information

Home Equity Lines of Credit More Information

Rate: Wall Street Journal Prime (click here to view the rate) adjustable monthly.

All loans subject to credit approval.

*The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on interest rate and points only and does not take into account other finance charges you might be required to pay.

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