| Beacon Score® (Equifax Credit Information Services) |
730+
|
680-729
|
640-679
|
600-639
|
550-599
|
549 or less
|
|
Loan Type
|
A+
|
A
|
B
|
C
|
D
|
E
|
| Personal Line of Credit (Revolving) |
9.00
|
9.00
|
11.00
|
13.00
|
16.00
|
18.00
|
| Overdraft Protection Line of Credit (Revolving) |
11.00
|
11.00
|
12.00
|
14.50
|
16.50
|
18.00
|
| Co-Maker Loan (Closed End - $5,000.00 Maximum) |
9.00
|
9.00
|
10.00
|
12.00
|
15.00
|
18.00
|
| Vacation Loans (1 per Household per Cal. Year) |
9.00
|
9.00
|
11.00
|
13.50
|
16.00
|
18.00
|
| Christmas Loans (Seasonal - Oct. 1 through Dec. 31) |
9.00
|
9.00
|
10.00
|
12.00
|
15.00
|
18.00
|
| New Autos/Trucks/Motorcycles |
2.75 - 3.49
|
2.75 - 3.49
|
3.99 - 4.84
|
5.74 - 6.59
|
8.74 - 10.49
|
10.09- 12.49
|
| Used Autos/Trucks/Motorcycles (Up to 2 Yrs Old) |
2.75
|
2.75
|
4.74-5.84
|
5.74- 6.59
|
8.74 - 10.49
|
10.09-12.49 |
| Used Autos/Trucks/Motorcycles (Over 2 Yrs Old) |
2.75
|
2.75
|
4.74 - 5.49
|
5.74 - 6.49
|
8.74 - 9.49
|
10.09- 12.09
|
| New Boats/Motors/Trailers |
4.39 - 5.39
|
4.39 - 5.39
|
5.39 - 6.49
|
6.49 - 7.24
|
9.24 - 10.24
|
12.39 -14.39 |
| Used Boats/Motors/Trailers (Up to 2 Years Old) |
4.39 - 5.74
|
4.39 - 5.74
|
5.39 - 5.99
|
6.49 - 7.24
|
9.99 - 11.49 |
12.74 - 14.74 |
| Used Boats/Motors/Trailers (3, 4 or 5 Years Old) |
5.74
|
5.74
|
6.49 - 6.74
|
7.24 - 7.74
|
11.49
|
14.74
|
| Used Boats/Motors/Trailers (Over 5 Years Old) |
5.74
|
5.74
|
6.74
|
7.74
|
11.74
|
14.99
|
| New Furniture or Appliances / Garden Equipment or Firearms |
8.24
|
8.24
|
10.24
|
12.24
|
15.24
|
17.99
|
| New Personal Computers/Computer Equipment/New Garden Equip. |
8.24
|
8.24
|
10.24
|
11.74
|
14.24
|
16.24
|
| New and Used Recreational Vehicles |
5.64- 7.24
|
5.64- 7.24
|
6.49- 7.74
|
7.74- 8.99
|
8.74 - 10.74
|
11.49- 13.24 |
| New All Terrain Vehicles (ATV's) |
5.14
|
5.14
|
6.14
|
7.24
|
9.24
|
12.64
|
| Used All Terrain Vehicles (ATV's) |
6.74
|
6.74
|
7.49
|
8.49
|
11.74
|
14.99
|
|
Share and Certificate Secured (Contact Credit Union for Rates)
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
| New Farm Equipment |
7.74
|
7.74
|
9.24
|
11.24
|
13.74
|
15.74
|
| Used Farm Equipment |
7.74
|
7.74
|
9.24
|
12.24
|
14.74
|
16.74
|
| 1st or 2nd Mortgage (Closed End Fixed Rate) (Non-Purchase Money) |
5.99 - 6.99
|
5.99 - 6.99
|
6.99 - 8.24
|
8.24 - 10.24
|
9.24- 10.74 |
11.24- 12.74 |
| Unimproved Land ($20,000.00 Maximum Loan) |
6.99 - 7.74
|
6.99 - 7.74
|
7.74 - 8.74
|
8.49 - 9.49
|
9.24 - 9.99
|
11.99 - 12.99 |
| Home Equity Line of Credit (Contact us for Details!) |
