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Rates

• Loan Rates
  • New Vehicles, Program Vehicles, & Motorcycles
  • Used Vehicles & Motorcycles
  • New Boats, Campers and RV’s
  • Used Boats, Campers and RV’s
  • Collateral Mortgage
  • Home Equity
  • New Mobile Home
  • Used Mobile Home
  • Share Secure Loans
  • Other Secured Loans
  • Visa Credit Card & Beginner Visa
  • Unsecured Loans
  • Overdraft Loan Protection
  • Catholic School Loan
  • Credit Repair Loan

• Share Rates
  • Share Accounts
  • Share Certificate Rates

Loan Rates

Rates are determined by each individual’s credit history, and capacity to repay.  The following rates posted below are subject to change without notice per the decision of the Board of Directors.  Effective date of current rates is November 11, 2009.

*APR = Annual Percentage Rate:  Is shown below in each Loan Category & Credit Rating Tier.

New Vehicles, Program Vehicles, & Motorcycles
Credit Rating	A - APR*	B - APR*	C - APR*	D - APR*	E - APR*
72 Months (Vehicles Valued $25,000.00 & Greater)	3.99%	4.24%	5.99%	10.24%	12.24%
60 Months & Less	3.99%	4.24%	5.99%	10.24%	12.24%

Maximum Loan Amount:  $100,000.00
Up to 100% Financing of Purchase Price.

Used Vehicles & Motorcycles
Credit Rating	A - APR*	B - APR*	C - APR*	D - APR*	E - APR*
60 Months - Up to 3 Year Model	4.49%	4.74%	6.49%	10.74%	12.74%
48 Months - 4 & 5 Year Models	4.49%	4.74%	6.49%	10.74%	12.74%
36 Months - Over 5 Year Models	4.49%	4.74%	6.49%	10.74%	12.74%

Maximum Loan Amount:  $80,000.00
Up to 100% Financing of Trade-In Value per NADA.

New Boats, Campers and RV's
Credit Rating	A - APR*	B - APR*	C - APR*	D - APR*	E - APR*
96 Months valued 60,000 and greater	4.79%	5.04%	6.79%	11.04%	13.04%
84 Months valued under $60,000	4.79%	5.04%	6.79%	11.04%	13.04%

Maximum Loan Amount:  $100,000.00
Up to 100% Financing of Purchase Price. 

Used Boats, Campers and RV's
Credit Rating	A - APR*	B - APR*	C - APR*	D - APR*	E - APR*
72 Months up to 3 year model	4.99%	5.24%	6.99%	11.24%	13.24%
60 Months up to 4+5 year model	4.99%	5.24%	6.99%	11.24%	13.24%
48 Months over 5 year model	4.99%	5.24%	6.99%	11.24%	13.24%

Maximum Loan Amount:  $80,000.00
Up to 100% Financing of Purchase Price. 

Collateral Mortgage
Credit Rating	A - APR*	B - APR*	C - APR*	D - APR*	E - APR*
	5.75%	6.00%	7.75%	12.00%	14.00%

Maximum Amount $250,000.00
Financing up to 80% of the Appraised Value up to 15 Years with a 10 Year Balloon note.

Home Equity
Credit Rating	A - APR*	B - APR*	C - APR*	D - APR*	E - APR*
	5.75%	6.00%	7.75%	12.00%	14.00%

Maximum Amount: 100,000.00
Financing up to 80% of the Appraised Value Up to 15 Years with a 10 Year Balloon note.

New Mobile Homes + Manafactured Homes
Credit Rating	A - APR*	B - APR*	C - APR*	D - APR*	E - APR*
	7.75%	8.00%	9.75%	14.00%	16.00%

Financing up to 80% of Purchase Price (maximum 15 years).

Used Mobile Homes + Manufactured Homes
Credit Rating	A - APR*	B - APR*	C - APR*	D - APR*	E - APR*
	7.99%	8.24%	9.99%	14.24%	16.24%

Financing up to 80% of Appraised Value (maximum 15 years).

Share + Share Certificate Secure Loans
Type	APR*
Share	3.00% over share rate of previous quarter / Maximum Term 2 Years with Balloon.
Share Certificate	3.00% above Certificate rate / Maximum Term equal to Maturity of Certificate with Balloon.

Other Secured Loans
Credit Rating	A - APR*	B - APR*	C - APR*	D - APR*	E - APR*
	5.99%	6.24%	7.99%	12.24%	14.24%

Maximum Amount: 50,000.00
Up to 60 months.

VISA Credit Card & Beginner Visa
Credit Rating	A - Member Visa - APR* - Maximum Limit: $10,000.00	B - Member Visa - APR* - Maximum Limit: $7,500.00	C - Member Visa - APR* - Maximum Limit: $3,500.00	Beginner Visa - APR* - Maximum Limit: $500.00	Membership Organization Visa - APR* - Maximum Limit: $25,000.00
Open End/Revolving Credit	8.49%	8.99%	10.49%	10.49%	8.49%

For Beginners & Credit Rating Tiers: A, B, & C Only. 

Unsecured Loans
Credit Rating	A - APR* - Maximum Limit: $10,000.00	B - APR* - Maximum Limit: $7,500.00	C - APR* - Maximum Limit: $3,500.00	D - APR* - Maximum Limit: $1,000.00	E - APR* - Maximum Limit: $500.00	Beginner Loan - APR* - Maximum Limit: $500.00
36 Months	9.00%	9.25%	11.00%	15.25%	17.25%	11.00%
24 Months	9.00%	9.25%	11.00%	15.25%	17.25%	11.00%
12 Months	9.00%	9.25%	11.00%	15.25%	17.25%	11.00%

Overdraft Loan Protection
Credit Rating	All - APR*
Open End/Revolving Credit	18.00%

Maximum Loan Amount:  $1,500.00
Monthly Payment Amount: $50.00
In connection with Share Draft (CHECKING) Account. 

Catholic Schools Advance Tuition Loans
Credit Rating	A - APR*	B - APR*	C - APR*
	4.25%	4.25%	4.25%

A, B & C Only - Maximum Term 1 Year. 

Credit Repair Loan
Credit Rating	A - APR*	B - APR*	C - APR*	D - APR*	E - APR*
	14.00%	14.00%	14.00%	14.00%	14.00%

3 Years / Counter Offer for Denied Loans / Share Secured.

Share Rates

Share Accounts
Type	Dividend Rate	APY*
Share (Savings) Account - $25.00	0.40%	0.401%
Share Christmas Club Account	0.40%	0.401%
Share Draft (Checking) Account	0.15%	0.150%
Share IRA (Savings) - Traditional, ROTH, & Coverdell ESA	1.75%	1.762%

Share Certificate Rates
Type	Dividend Rate	APY*
6 Month Share Certificate	0.75%	0.753%
1 Year Share Certificate	1.00%	1.005%
6 Month Share IRA Certificate (Traditional, ROTH, & Coverdell ESA)	0.75%	0.753%
1 Year Share IRA Certificate (Traditional, ROTH, & Coverdell ESA)	1.00%	1.005%

Minimum Deposit:  $1,000.00
Penalties may be applied for early withdrawal, therefore reducing earnings. Effective date of current rates is December 10, 2008.

*APY = Annual Percentage Yield: Is shown above in each Share Certificate Type category.