CONSUMER LOANS
All interest rates are effective as of February 3, 2012.
At the Bank's discretion, interest rates may be subject to change at any time without notice.
| Personal Loans | Term | Annual Percentage Rate (APR) |
| New Automobile | 1-36 months | 3.24% |
| New Automobile | 37-60 months | 3.49% |
| New Automobile | 61-72 months | 4.24% |
| Used Automobile | ||
| Model Years 2009 - Present | 1-60 months | 3.99% |
| Model Years 2007 - 2008 | 1-48 months | 4.49% |
| Model Years 2004 - 2006 | 1-36 months | 4.99% |
| Loan Secured by Liquid Collateral | 1-60 months | 3.99% |
| Loan Secured by Other Collateral | 1-48 months | 5.49% |
| Unsecured Loan $1,000 - $7,500 | 1-84 months | 6.50% |
APRs for new auto loans based upon 90% loan-to-value. APRs for used auto loans based upon 90% loan-to-value. For other loans, down payment requirements vary. The interest rate for your loan is based upon your creditworthiness. A $35 processing fee applies to unsecured loans.
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| My Money Line - Personal Line of Credit | Annual Percentage Rate (APR) |
| My Money Line with Initial Draw of $2,500 or more | 8.50% |
| My Money Line Rate without Initial Draw | 9.00% |
No down payment or collateral is required for this type of loan. Initial draw of $2,500 or more must be taken at the time of closing in order to qualify for the 8.50% APR. The introductory APR of 8.50% is fixed for the first six months of the line. Thereafter, the variable APR may increase or decrease monthly on the billing date based upon The Wall Street Journal Prime Rate plus 5.75%. As of January 27, 2012, the APR based upon Prime Rate plus 5.75% is 9.00%. The maximum APR is 18.00%. The interest rate for your line is based upon your creditworthiness. The credit line amount may vary from $2,500 to $200,000. This introductory offer may be modified or discontinued without notice. A processing fee of $35 applies.
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Equal Housing Lender. Member FDIC.