Fourth Quarter 2011
Effective 10/1/2011
REAL ESTATE
|
10% Down Payment
|
5.00%
|
|
5% Down Payment
|
5.50%
|
|
REAL ESTATE - REFINANCE
MOBILE HOME
10.00%
HOME IMPROVEMENT/HOME EQUITY
6.00%
LAND PURCHASE
4.00%
CONSUMER/PERSONAL
7.25%
COMPUTER PURCHASE
6.00%
EDUCATION
7.00%
AUTO LOANS
Over $10,000 Loan
|
Credit Rating
|
Maximum Term
|
Down Payment
|
Interest Rate
|
|
Excellent
|
60 months
|
15.00%
|
6.00%
|
|
Excellent
|
60 months
|
10.00%
|
6.00%
|
|
Average
|
48 months
|
15.00%
|
6.00%
|
|
Average
|
48 months
|
10.00%
|
6.00%
|
|
Below $10,000 Loan
|
Credit Rating
|
Maximum Term
|
Down Payment
|
Interest Rate
|
|
Excellent
|
48 months
|
10.00%
|
6.00%
|
|
Average
|
48 months
|
15.00%
|
6.00%
|
|
Average
|
48 months
|
10.00%
|
6.00%
|
|
Below Average
|
36 months
|
25.00%
|
6.75%
|
|
BUSINESS/COMMERCIAL
Prime + 0-5%
Current Prime Rate = 3.25%
|
