LOAN RATES - Current as of
New Vehicles
Cars -
Trucks - Boats - RV's - Motorcycles
Up to 5 Years
Auto Pay Rates = Payments
transfered from your savings account
How your loan rate is
determined.
|
Auto Pay Rates |
|
Voluntary Pay
Rates |
| A+ |
5.24% |
100% MSRP TX TLT |
6.24% |
| A |
6.24% |
100% MSRP TX TLT |
7.24% |
| B |
6.74% |
100% MSRP TX TLT |
7.74% |
| C |
7.24% |
90% MSRP TX TLT |
8.24% |
| D |
8.24% |
80% MSRP TX TLT |
9.24% |
| E |
9.24% |
80% MSRP TX TLT |
10.24% |
New Vehicles
Cars - Trucks - Boats - RV's -
Motorcycles
61 TO 72 Months (must finance over $20,000.00)
Auto Pay Rates = Payments
transfered from your savings account
How your loan rate is
determined.
|
Auto Pay Rates |
|
Voluntary Pay
Rates |
| A+ |
5.49% |
100% MSRP TX TLT |
6.49% |
| A |
6.49% |
100% MSRP TX TLT |
7.49% |
| B |
6.99% |
100% MSRP TX TLT |
7.99% |
| C |
7.49% |
90% MSRP TX TLT |
8.49% |
| D |
8.49% |
80% MSRP TX TLT |
9.49% |
| E |
9.49% |
80% MSRP TX TLT |
10.49% |
Used Vehicles - 5 Years or Newer
Cars - Trucks -
Boats - RV's - Motorcycles Up to 5 Years
Auto Pay Rates = Payments transfered from your
savings account
How
your loan rate is determined.
|
Auto Pay Rates |
|
Voluntary Pay
Rates |
| A+ |
5.49% |
100% NADA Retail Value |
6.49% |
| A |
6.49% |
100% NADA Retail Value |
7.49% |
| B |
6.99% |
100% NADA Retail Value |
7.99% |
| C |
7.49% |
100% NADA Trade Value |
8.49% |
| D |
8.49% |
100% NADA Loan Value |
9.49% |
| E |
9.49% |
100% NADA Loan Value |
10.49% |
Used Vehicles - 6 Years or Older
Cars - Trucks -
Boats - RV's - Motorcycles Up to 5 Years
Auto Pay Rates = Payments transfered from your
savings account
How
your loan rate is determined.
|
Auto Pay Rates |
|
Voluntary Pay
Rates |
| A+ |
6.49% |
100% NADA Retail Value |
7.49% |
| A |
7.49% |
100% NADA Retail Value |
8.49% |
| B |
7.99% |
100% NADA Retail Value |
8.99% |
| C |
8.49% |
100% NADA Trade Value |
9.49% |
| D |
9.49% |
100% NADA Loan Value |
10.49% |
| E |
10.49% |
100% NADA Loan Value |
11.49% |
First Mortgage
Up to 28
Years
Auto Pay Rates = Payments
transfered from your savings account
How your loan rate is
determined.
|
Auto Pay Rates |
|
Voluntary Pay
Rates |
| A+ |
4.99% |
80% Appraised Value |
5.99% |
| A |
5.99% |
80% Appraised Value |
6.99% |
| B |
6.99% |
80% Appraised Value |
7.99% |
| C |
7.99% |
80% Appraised Value |
8.99% |
| D |
8.99% |
75% Appraised Value |
9.99% |
| E |
9.99% |
70% Appraised Value |
10.99% |
Second Mortgage
Up to 28
Years
Auto Pay Rates = Payments
transfered from your savings account
How your loan rate is
determined.
|
Auto Pay Rates |
|
Voluntary Pay
Rates |
| A+ |
5.49% |
80% Appraised Value |
6.49% |
| A |
6.49% |
80% Appraised Value |
7.49% |
| B |
7.49% |
80% Appraised Value |
8.49% |
| C |
8.49% |
80% Appraised Value |
9.49% |
| D |
9.49% |
75% Appraised Value |
10.49% |
| E |
10.49% |
70% Appraised Value |
11.49% |
New Purchase Loans - Furniture,
etc.
Up to 3 Years
Auto Pay Rates = Payments transfered from your
savings account
How
your loan rate is determined.
|
Auto Pay Rates |
|
Voluntary Pay
Rates |
| A+ |
7.24% |
100% Purchase Price &
Tx |
8.49% |
| A |
8.24% |
100% Purchase Price &
Tx |
9.49% |
| B |
8.99% |
100% Purchase Price &
Tx |
10.24% |
| C |
11.24% |
90% Purchase Price &
Tx |
12.49% |
| D |
13.49% |
85% Purchase Price &
Tx |
14.74% |
| E |
13.74% |
80% Purchase Price & Tx |
|
14.99% |
Personal - Signature
Loans
Up to 3 Years
Auto
Pay Rates = Payments transfered from your savings
account
How your
loan rate is determined.
|
Auto Pay Rates |
|
Voluntary Pay
Rates |
| A+ |
9.00% |
3.0 X Gross Monthly Income |
10.00% |
| A |
9.99% |
3.0 X Gross Monthly Income |
10.99% |
| B |
10.49% |
2.5 X Gross Monthly Income |
11.49% |
| C |
10.99% |
2.0 X Gross Monthly Income |
11.99% |
| D |
11.99% |
1.5 X Gross Monthly Income |
12.99% |
| E |
12.99% |
1.0 X Gross Monthly Income |
13.99% |
Share Draft Line of
Credit
Open-Ended Loan
Auto Pay Rates = Payments transfered from your
savings account
| 16.00% |
Monthly Payment
$36.00 |
Share/Savings Secured
Up to
12 Months
Auto Pay Rates =
Payments transfered from your savings
account
Share/Savings Secured
Over
12 Months
Auto Pay Rates =
Payments transfered from your savings
account
Certificate Secured
Term
of Certificate
Auto Pay Rates =
Payments transfered from your savings
account
| CD Rate + 2.5% |
Savings
Secured |
Insured Credit Services -
Home Improvement
Up to 20 Years
Auto Pay Rates = Payments transfered from your
savings account
| Rate |
|
| 7.99% |
100% Appraised Value up to
$100,000.00 |
Insured Credit Services -
Home Equity Simplified (No Loan to Value)
Up to 15
Years
| Rate |
|
| 7.99% |
Up to $25,000.00
|
Insured Credit Services - Home Equity
(90%)
Up to 20 Years
| Rate |
|
| 7.99% |
90% Appraised Value Up to
$100,000.00 |
Insured Credit Services - Home
Equity Special (100%)
Up to 20 Years
| Rate |
|
| 7.99% |
Up to $50,000.00
|
Insured Credit
Services - 2nd Mortgage Purchase
(20%
Purchase Price)
Up to 20 Years
| Rate |
|
| 7.99% |
Up to $100,000.00
|
Credit Cards
| VISA |
10.9% |
| MASTERCARD |
10.9% |
| VISA GOLD |
9.9% |
Safety Deposit
Box
(Key Deposit Required)
| Size |
Yearly Rate |
Description |
| 3x5 |
$15.00 |
3x5x21 |
| 3x10 |
$25.00 |
3x10x21 |
| 6x10 |
$35.00 |
6x10x21 |
| 9x10 |
$60.00 |
9x10x21 | |
Equal Housing Lender