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Loan Rates

Effective April 1, 2008

Loan Type Interest Rate Terms Rate Type
New Auto 6.00% - 14.75% * Up to 5 years Fixed Rate
6.25% - 15.00% * 6 years Fixed Rate
6.50% - 11.25% * 7 years Fixed Rate
Used Auto 7.00% - 15.75% * Up to 5 years Fixed Rate
7.25% - 16.00% * 6 years Fixed Rate
RV
New to 4 Years Old Units 1
with
10% Down Payment 2		 7.50% - 17.50% * Loan Amount $25,000 and above, up to 20 years Fixed Rate
8.00% - 18.00% * Loan Amount $10,000 to $24,999, up to 12 years Fixed Rate
10.00% - 18.00% * Loan Amount less than $10,000, up to 7 years Fixed Rate
New
motorcycle/boat		 9.00% - 17.75% * Up to 5 years Fixed Rate
Used
motorcyle/boat		 10.00% - 18.00% * Up to 5 years Fixed Rate
Signature 12.25% - 18.00% Under $10,000 - 3 years
Over $10,000 - 5 years		 Fixed Rate
8.125% - 16.875% Under $10,000 - 3 years
Over $10,000 - 5 years		 Variable Rate
Preferred Access Credit Line 7.125% - 7.875% Open End Line of Credit Variable Rate
Share Secured 3.995% Up to 10 years Variable Rate
Certificate Secured Certificate rate + 3.00% Up to 10 years Variable Rate
Money Market Secured 5.96% Up to 10 years Variable Rate
1 Add 1% for 5 years and older
2 Add .25% for less than 10% down payment
* All rates are based on an evaluation of applicant's credit. Each applicant's credit history is reviewed and the rate is determined by how credit has been handled in the past.
All rates and discounts are subject to change without notice.
For current information, call (661) 327-9461.

TERMS

  1. See the current Truth-In-Savings Disclosure that is provided when you open your account, and upon request.
  2. Fees could reduce the earnings on the account. Refer to the current Fee Schedule that is provided when you open your account. For Money Market Accounts free withdrawals are limited to 6 per month.
  3. If you close your account before dividends are credited, you will not receive accrued dividends.
  4. Substantial penalty for early withdrawal.
  5. Consult your tax advisor.
  6. Annual IRA "Plan" maintenance fee is $10.00 per year.
  7. $5.00 minimum opening deposit for members age 15 years and under.