Loan Rates
Our rates are subject to change without notice. These rates are effective as of 1/31/12.
Amazing Auto Loan Payment Shrink Ray Special:
Fixed loan rates as low as
2.49% APR,
plus loan rebates up to .50% with VIP Rewards! Call 920-729-5100 for details.
Home Equity Loan Special:
Fixed loan rates as low as
3.99% APR,
plus loan rebates up to .50% with VIP Rewards! Call 920-729-5100 for details.
Rate Benefits:
Loan
rebates up to .50% are available on all new loans, excluding lines of credit, mortgages and business loans, for members with accounts in the Advantage, Premium or VIP level of the
VIP Rewards program.
Home Equity Loan Rates† |
| Type |
APR |
Term |
PMT |
| Home Equity† |
5.49% |
36 |
$30.20 |
| 5.99% |
48 |
$23.49 |
| 5.99% |
60 |
$19.33 |
| 6.49% |
72 |
$16.81 |
| 6.49% |
84 |
$14.85 |
| The term can be amortized up to 15 years (a balloon payment may result).
Over 80% loan to value ratio, add 1.00%. Over 90% loan to value, add 2.00%. |
| Home Equity Line of Credit as low as 3.25% APR* |
|
*Rate is variable and based on The Wall Street Journal prime rate on the last day of the month. If less than 80% loan to value ratio, the rate would be 3.25% APR as of 12/31/08. The maximum APR is 18%. Homeowner's insurance is required. Appraisal fee of $250-$500 may apply. |
| |
Auto Loan Rates† |
| Year |
APR |
Term |
PMT |
| Variable Auto |
| 2006-2012 |
4.00% |
up to 60 months |
$18.42 |
| Variable auto loan rate is tied to Prime Rate as published in the Wall Street
Journal: 3.25% APR as of 12/31/08. Maximum is 12% APR, minimum is
4% APR. Shorter terms are available. |
| Fixed Auto |
| 2006-2012 |
2.99% |
60 months |
$17.97 |
| |
2.99% |
48 months |
$22.14 |
| |
2.49% |
36 months |
$28.87 |
| 2001-2005 |
6.49% |
24 |
$44.65 |
| |
6.49% |
36 |
$30.65 |
| 2000 or older |
9.99% |
24 |
$46.14 |
| |
9.99% |
36 |
$32.26 |
| |
Loans over 100% Loan To Value (LTV) may be changed a higher rate. |
| Autos made before 2000 may not qualify for 48 or 60 month financing. Extended terms may be available on some newer autos. Add .50% for each additional six months beyond standard terms. |
|
| |
Other Loan Rates† |
| Type |
APR |
Term |
PMT |
| Share Secured |
5.49% |
60 |
$19.10 |
| Share Cert. Secured |
5.49% |
60 |
$19.10 |
| Personal |
9.99% |
36 |
$32.26 |
| Kwik Cash Line of Credit* |
as low as 8.90% APR* |
|
|
|
|
*Variable rate, prime plus 4.9%, based on The Wall Street Journal prime rate on the last day of every month. Maximum APR is 18%, minimum is 8.9%. The current prime rate of 3.25% APR is effective as of 12/31/08. |
|
† APR: Annual Percentage Rate. Your actual loan rate may be different, depending upon your credit score. Terms are in months. Final rates and terms are subject to credit approval. Payments shown are per $1,000 borrowed. All rates and terms are subject to change without notice. |
Go to annualcreditreport.com for your free annual credit report.
