Rates as of MARCH 12, 2013 per board approval. Rates are subject to change without notice.

20 - 30 YR. MORTGAGE	*APR	NMLS # 811861
Real Estate - A.R.M. (1st-90%)	5.25%	(Prime Rate + 2.0%)
Real Estate - A.R.M. (2nd-80%)	7.25%	(Prime Rate + 4.0%)
Real Estate - Fixed	9.00%
OTHER LOANS
Mobile Home	8.00%
Signature	8.00%
Line of Credit	14.50%
Share Loan (2 Yr. Loan)	2.00% over Passbook rate
Share Loan (Over 2 Yrs.)	3.00% over Passbook rate
Certificate Loans	2.00% over CD rate
4-H Loans	4.00%	Maximum $4,000.00
Other	8.00%
VEHICLE & MOTORCYCLE
All car loans will be valued for financing per the NADA book.
New Vehicles	72 months
2009-2012	60 months
2006-2008	48 months
2003-2005	36 months
2002-0lder	24 months
BEACON  SCORE	APR*	LOAN TO VALUE %
730 +	3.9%	100%
700 - 729	4.9%	100%
650-699	6.9%	90%
600-649	7.9%	80%
**550-599	8.9%	70%
**549- or less	9.9%	70%
*APR is the Annual Percentage Rate.
Vehicle rate will vary depending on the applicant's Beacon score. **599-550 must have a co-signor that has a beacon score above 650 & below 550 must have a co-signor that has a Beacon score over 700.  *** Members with no beacon score will be in the 600-649 category.
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