|
Loan Rates
All rates are subject to change without
notice.
Auto Loans
- Real Estate / Mortgage Loans
VISA
Classic / VISA Gold - Share Covered Loans
Signature
Loans - Motorcycle, Boat & Loans
Click
here for a printable version of loan rates!
Secured
Loans
(APR = Annual Percentage Rate)
| Loan Type |
Maximum Amount
for Base APR |
Maximum Term |
Base APR* |
Type |
| Automobile (NEW) |
List Price |
72 months |
6.50% |
Fixed |
| Automobile (USED) |
NADA Retail Value |
60 months |
6.95% |
Fixed |
| Motorcycle (NEW) |
List Price |
60 months |
7.95% |
Fixed |
| Motorcycle (USED) |
NADA Retail Value |
60 months |
8.95% |
Fixed |
| Boat, Motor, Trailer (NEW) |
List Price |
60 months |
9.20% |
Fixed |
| Boat, Motor, Trailer (USED) |
NADA Retail Value |
60 months |
10.10% |
Fixed |
| Share Covered |
Amount Pledged |
60 months |
6.25% |
Fixed |
| Certificate Covered |
Amount Pledged |
60 months |
7.50% |
Fixed |
Partially secured loans** available with any
collateral - see loan officer for details!
*Base APR includes rate discounts up to 0.60% - talk to a loan
officer for details.
**Subject to signature loan limitations
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Payment
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Other
Loans
(APR = Annual Percentage Rate)
| Loan Type |
Maximum Amount |
Maximum Term |
Base APR Up to 36 Months |
Base
APR Over 36 Months |
Type |
| Signature |
$15,000 |
60 months |
9.90%* |
11.25%* |
Fixed |
| Line of Credit** |
$15,000 |
60 months |
10.40% |
12.40% |
Fixed |
*Base APR includes rate discounts up to 0.50% - talk to a
loan officer for details.
**Line of Credit draw period ends at 36 months, but draw period may be
extended in 36-month increments with reapproval.
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Payment
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Real
Estate / Mortgage Loans (For Primary Residence ONLY)
(APR = Annual Percentage Rate)
| Loan Type |
Maximum Amount |
Maximum Term |
APR |
| Fixed Rate Mortgage |
90% of appraised value |
360 months |
Call a Loan Officer to discuss
mortgage options at 317.352.0423 ext. 5 |
| Adjustable Rate First Mortgage |
90% of appraised value
Int. Rate Cap 2/6 |
360 months |
*Home equity loans can be approved only if the aggregate
amount of all loans on the real estate does not exceed 100% of the appraised
value.
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Payment
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VISA
Classic / VISA Gold
(APR = Annual Percentage Rate)
|
CREDIT DISCLOSURES |
| Annual Percentage Rate |
Minimum Finance Charge |
| Classic - 12.9% |
N/A |
| Gold - 8.9% |
N/A |
| Annual Membership Fee |
Grace Period for Repayment of the Balance
for Purchases |
| N/A |
25 days |
| Method of Computing the Balance
for Purchases |
| Average Daily Balance
(including new transactions) |
| Variable Rate Information |
| N/A |
The minimum monthly payment is 3.0% of your total new
balance but not less than $10.00, plus the amount of any prior payments
that you have not paid. The periodic rate for cash advances is
1.075% per month for Classic Cards and .742% per month for Gold Cards. There is a NSF Check Fee of $20.00
per check and a Replacement Card Fee of $5.00 per card. The
billing cycle date is the 9th business day of the month. |
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Payment
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We Do Business In Accordance With the Federal Fair Housing
Law and the Equal Opportunity Act. 12 C.F.R. 701.31(d)(1)(i)