Loan Rates

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Please Note

When you log into Account Access you have an Application tab that can be used to securely submit an application to one of our loan officers.

Rates are effective December 14, 2011**
To get a loan application click here. For a Visa Credit Card application click here.
Use our loan payment calculator to get an estimated payment amount.
Contact one of our loan officers to learn about possible rate matching.
APR = Annual Percentage Rate.
Rates may vary based on borrower qualifications.

Automobiles, motorcycles, boats and other vehicles with a title

Loan Term	APR	Monthly Payment
2012 - 2010 Model Year
24 months	2.49%	$4.28 per $100 borrowed
36 months	2.49%	$2.89 per $100 borrowed
48 months	2.49%	$2.19 per $100 borrowed
60 months	3.19%	$1.81 per $100 borrowed
66 months	3.99%	$1.69 per $100 borrowed
72 months	4.19%	$1.57 per $100 borrowed
84 months	5.59%	$1.44 per $100 borrowed
2009 - 2008 Model Year
24 months	2.99%	$4.30 per $100 borrowed
36 months	2.99%	$2.91 per $100 borrowed
48 months	3.09%	$2.22 per $100 borrowed
60 months	3.29%	$1.81 per $100 borrowed
72 months	4.59%	$1.59 per $100 borrowed
2007 - 2006 Model Year
24 months	3.99%	$4.34 per $100 borrowed
36 months	3.99%	$2.95 per $100 borrowed
48 months	4.19%	$2.27 per $100 borrowed
60 months	4.39%	$1.86 per $100 borrowed
66 months	4.99%	$1.74 per $100 borrowed
2005 - 2004 Model Year
24 months	4.99%	$4.39 per $100 borrowed
36 months	4.99%	$3.00 per $100 borrowed
48 months	4.99%	$2.30 per $100 borrowed
54 months	5.39%	$2.09 per $100 borrowed
2003 - Older Model Year
24 months	5.59%	$4.41 per $100 borrowed
36 months	6.39%	$3.06 per $100 borrowed
48 months	6.99%	$2.39 per $100 borrowed

Miscellaneous (Non-titled) Collateral

Loan Term	APR	Monthly Payment
New Collateral
24 months	8.79%	$4.56 per $100 borrowed
36 months	8.79%	$3.17 per $100 borrowed
48 months	8.79%	$2.48 per $100 borrowed
Used Collateral
24 months	8.79%	$4.56 per $100 borrowed
36 months	8.79%	$3.17 per $100 borrowed
48 months	8.79%	$2.48 per $100 borrowed

Personal Loans

Loan Type	APR	Fixed or Variable	Max. Term	Payment based on $1000
Personal	15.00%	Fixed	36 months	$34.67
Open-End Personal	9.00%	Variable (18% Cap)	36 months	$35.00
Open-End Personal	15.00%	Fixed	36 months	$40.00
Overdraft Protection	18.00%	Fixed	24 months	$25.00
Share Pledged	Share Rate + 3.00%	Fixed	48 months	$23.53*

Visa Credit Cards

Account Type	APR for Purchases	APR for Cash Advance	APR for Balance Transfer	Penalty APR	Annual Fee	Minimum Finance Charge	Foreign Usage Fee
Platinum	6.90%	6.90%	6.90%	None	None	None	1.00%
Platinum Rewards	9.90%	9.90%	9.90%	None	None	None	1.00%
Classic	12.90%	12.90%	12.90%	None	None	None	1.00%
Grace Period for Repayment for the Balance of Purchases is 25 days Method of Computing the Balance of Purchases is Average Daily Balance (including new transactions)

Home Equity

Loan Type	APR	Lifetime Cap	Payment based on $1000
Home Equity	4.00% to 7.00%	18.00%	$14.00*
Sample Closing Cost Estimate: Based on a home located in Allen County, a full appraisal and a loan line limit of $35,000.00 would be $235.00

*Please note that the minimum required payment amount on any loan is $25.00 monthly.

**Please note that all rates and dividends are subject to change without notice.

A Rate and Fee Schedule is available upon request.