LOAN RATES SCORE DETERMINATION

LOAN RATES

Effective July 2, 2014

(618) 797-7993

SCORE DETERMINATION

A+ 730+

A

680 - 729

B

640 - 679

C

600 - 639

D

560 - 599

E

559 and below

No score is placed in the B tier

Autos

Term 730+ 729-680 679-640 639-600

Up to 63 2.24% 2.39% 3.89% 6.29%

New & Used 10-14

64-66 67-72 73-75

2.34% 2.69% 2.79%

2.49% 2.89% 2.99%

3.99% 4.39% 4.49%

6.39% 6.69% 6.99%

76-84 4.19% 4.59% 5.19% 7.59%

20092004

Up to 63 2.49% 64-66 2.59% 67-72 3.39%

2.79% 2.89% 3.69%

4.09% 4.19% 4.99%

6.49% 6.59% 7.29%

2003 & Up to 48 3.65%

older

49-63 4.35%

3.85% 4.65%

5.85% 6.95%

8.44% 9.34%

599-560 13.79% 13.89% 15.49%

n/a n/a 14.39% 14.49% 15.89% 14.60%

n/a

55918.00% 18.00% 18.00%

n/a n/a 18.00% 18.00% 18.00% 18.00%

n/a

PLEASE READ

? Rates are determined using Trans Union Auto Specific FICO 08 Score and are not negotiable.

In cases where a co-signer is required, the credit score is averaged between the buyer and the cosigner to determine the rate. 1.99% is the floor rate with direct deposit, payroll deduct , DBO, and auto transfer. Rate discounts on in-house loans only.

? Mileage must not exceed 150,000 ? TERMS GREATER THAN 66 MONTHS ONLY AVAILALBLE ON VEHICLES 2007 AND

NEWER WITH A LOAN AMOUNT OF $15,000 OR GREATER AND MILEAGE LESS THAN 45,000 MILES.73-84 months available only with approval on loans $25,000 + and on vehicles 2010 and newer w/ mileage less than 40,000

? First due dates must be within 45 days from contract date and due dates can't be set

up for later than the 25th of the month.

? If total amount financed (including taxes, title fee & license fee) is less than 80% of the MSRP

or NADA retail value of the vehicle, a rate reduction of .50% will be applied.

? If the vehicle is a new untitled hybrid vehicle we will extend a .25% rate reduction as

part of our "go green" program. Must receive a dealer invoice stating this is a hybrid vehicle.

? Rates are valid for new purchases and refinances from other institutions only. 1%

should be added to the published rate in the event of adding additional money to an existing in house loan for car repairs, bill consolidation or using a title to a vehicle

as collateral to secure an in-house loan. 18% is the maximum rate allowed.

Motorsports (motorcycles, wave runners, trailers)

New & Used 10-14

20092004

2003 & older

Term Up to 63

72 48 63 48 63

730+ 3.99% 4.79% 4.99% 5.29% 5.69% 5.79%

729-680 4.69% 5.29% 5.09% 5.49% 5.79% 5.89%

679-640 7.19% 7.39% 7.39% 7.69% 7.49% 7.79%

639-600 10.39% 10.69% 10.69% 10.99% 10.79% 11.09%

599-560 14.79% 15.89% 15.09% 16.09% 15.39% 16.19%

55918.00% 18.00% 18.00% 18.00% 18.00% 18.00%

PLEASE READ

? Rates are determined using Trans Union FICO 08 and are not negotiable. In cases where a co-

signer is required, the credit score is averaged between the buyer and cosigner to determine the rate.

? First due dates must be within 45 days from contract date and due dates can't be set up for

later than the 25th of the month.

? If total amount financed (including taxes, title fee & license fee) is less than 80% of the MSRP or

NADA retail value of the vehicle, a rate reduction of .50% will be applied.

? Loan amount must be $15,000 or greater on 2010-2014 year models to qualify for 72

month term.

Boats, Recreational Vehicles, Camping Trailers PLEASE READ

? Increase interest rate by 1.00% for all models 2007 and older.

Amount Financed Max. Term

730 +

729-680 679-640

639 -600

599- 560

559 ? below

?

Rates are determined using Trans Union FICO 08 Score and are not negotiable. In cases where a cosigner is required, the credit score is averaged between the buyer and cosigner to

$50,000 - $75,000 96 6.30% 6.60% 7.30%

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determine the rate.

? First due dates must not exceed 45 days from date of contract and no due date can be set up

$25,000 - $49,999 84 6.30% 6.60% 7.30% 9.60%

--

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for later than the 25th of the month.

$15,001 - $24,999 72 Less than $15,000 60

6.50% 6.50%

6.80% 6.80%

7.50% 7.50%

9.80% 9.80%

15.90% 15.90%

18.00 ? ?

18.00 ?

10% minimum cash or trade equity on loans $15,001 to $24,999. 15% minimum cash or trade equity on loans $25,000 to $49,999. 25% minimum cash or trade equity on loans $50,000 to $75,000.

Score 730+ 680 - 729 640 - 679 600 - 639

VISA Rewards

Rate

Limits

7.9%

$500 - $20,000

9.9% 12.9% 16.9%

$500 - $10,000 $500 - $6,900 $500 - $3,900

Share Secured Loans

Share Secured

2.5% > low share rate

Share secured loans have a 3.0% floor limit

Personal Loans

(CLOSED END)

A+

8.9%

A

10.9%

B

13.9%

C

15.9%

D

16.9%

E

18.0%

(Freedom Line-Open End)

A+ and A

8.9%

B

9.9%

C

11.9%

D

13.9%

E

14.9%

CD Loans

In-house CD APR is 2.5% over certificate rate. Term not to exceed maturity of CD. Will lend 100% of face value. Floor limit is 6.0%.

Other Institutions' CD APR 10.75% Term (same as above) Will lend 90% of face value

Rate Discounts (in house loans only)

Direct Deposit/Payroll Deduct/ AutoTransfer (Does not apply to Visa, Real Estate or

Open-end loans.)

A+- .25% A - .25% B - .50% C - .75% D - 1.0% E - 1.25%

No further discounts below 1.99%

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