Loan Rates

Effective Date: July 1, 2017
Loan Account Type Allowable Term** Annual Percentage Rate**
Shares Secured 66 months 2.00%
New Autos 100% Financed 84 months 3.75%
Used Autos, 2017-2014 84 months 4.50%
Used Autos, 2013-2010 72 months 5.50%
Used Autos, 2009-2002 42 months 8.50%
Used Autos, 2001-1983 30 months 12.00%
Vintage Auto’s 1992 & older
(see note below * )
66 months 5.49%
Other Secured
Mowers, Furnaces, Lawn Tractors
42 months 8.25%
Other Secured
Furniture
42 months 8.25%
Line of Credit(up to $3,000) 48 months 12.00%
Premier Line of Credit ($3,001 to $20,000) 42 months 9.50%
Second Chance ($500 max) 12 months max 18.00% NO DISCOUNTS
Overdraft Protection
$0 to $500 (Payment $30)
$30 payment 13.50%
Overdraft Protection
$0 to $1,000 (Payment $50.00)
$50 payment 13.50%
Unsecured, $500 to $1,000 18 months 6.50%
Unsecured, $1,500 to $3,000 24 months 6.50%
Unsecured, $3,500 to $6,000 30 months 6.50%
Term Signature (max $7,500) 6 months 13.00%
VISA Classic ($500 to $4,500) 15.99%
VISA Platinum (Min $5,000-Max $20,000) 8.70%
New Motorcycles, ATV’s, Snowmobiles, Personal Watercraft, Trailers (100% Financed of purchase price) 66 months 4.50%
Used Motorcycles, ATV’s Snowmobiles, Personal Watercraft, Trailers (2017-2010) 60 months 5.50%
New RVs and Campers (100% Financed of purchase price) 78 months 5.00%
—– loan amount over $20,000 126 months 5.00%
Used RVs and Campers (NADA WV or 85% Financed of purchase price)(2017-2010) 78 months 6.25%
—– loan amount over $20,000 126 months 6.25%
New Boats (100% Financed of purchase price) 78 months 5.00%
Used Boats (NADA WV or 85% of purchase price)(2017 – 2007) 66 months 6.00%
Mobile Home
42 months
10.25%
*Vintage Auto’s – 85% Market Value by 2007 Cars & Prices Publication per Appropriate Vehicle Condition Scale**Your term and annual percentage rate may vary depending on your credit worthiness. Please ask a loan officer for details regarding how your rate is determined.
 Mortgage Secured Loans
Loan Account Type Details
1st Mortgage (Purchase — Non-Purchase)
HELOC (Home Equity Line of Credit) Home Equity Predisclosure
  • $200,000 Maximum
  • 15 Years Maximum Term
  • Variable Rate(Re-price June 1 Annually)
  • RE = Variable Rate Re-price June & Dec
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