Account Rates
Fee Schedule

Loan Rates

Rates are effective January 3, 2005**

Vehicle Loans

APR
24 Months

Sample Payment based on $15,000
APR
36 Months
Sample Payment based on $15,000
APR
48 Months
Sample Payment based on $15,000

APR
60 Months

Sample Payment based on $15,000

APR
72 Months

Sample Payment based on $15,000
New Vehicle 2005
4.79%
656.66
4.89%
448.82
4.99%

345.37

5.24%
284.72
6.24%
250.30
Used Vehicle (2004-2000)
4.79%
656.66
4.89%
448.82
4.99%
345.37
5.69%
287.83
6.79%
254.23
Used Vehicle (1999 & Older)
6.09%
665.42
6.499%
459.67
6.49%
355.66
N/A
N/A
N/A
N/A
Motorcycles, Boats & Other
Vehicles with a Title
Use Vehicle Rates and Terms Listed Above
 
Misc. Collateral-New
7.99%
678.34
7.99% 469.98
7.99%
366.12
N/A
N/A
N/A
N/A
Misc. Collateral-Used
(Wholesale)
7.99%
678.34
7.99% 469.98
7.99%
366.12
N/A
N/A
N/A
N/A
Misc. Collateral-Used
(Retail)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
APR = Annual Percentage Rate
Rates may vary based on borrower qualifications
Personal Loans
Base Rates
Annual Percentage Rate
Fixed or Variable
Maximum Term
Estimated Payment based on $1000
Personal Loan
15.000%
Fixed
36 Months
$34.67
Open-End Personal
9.50%
Variable (a cap of 18%)
36 Months
$35.00
Open-End Personal
15.000%
Fixed
36 Months
$40.00
Overdraft Protection
18.000%
Fixed
24 Months
$25.00 (Max. loan amount is 500.00)
Share Pledged Loan
Share + 3%
Fixed
48 Months
$23.53 (Please note that the req min. payment on any loan is $25.00)
Rates may vary based on borrower qualifications
Variable Home Equity Loan
Annual Percentage Rate (APR)
Lifetime CAP
Monthly Payment per
$1,000.00
Home Equity
5.25%-6.56%
18.00%
$14.00
Sample Closing Cost Estimate: Based on a home located in Allen County, a full appraisal, and a loan line limit of $35,000.00 would be $235.00
A Rate & Fee Schedule is available upon request.
**Please note that all rates and dividends are subject to change without notice.