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CONSUMER LOAN RATES

Autos:

• 0 to 1 yr old (60 months): 5.70% APR
  
• 0 to 1 yr old (72 months): 5.95% APR
• 2 - 4 yrs old (60 months): 6.25% APR
• 5 - 7 yrs old (48 months): 6.75% APR
• 8 - 10 yrs old (42 months): 7.95% APR
• 11+ yrs old (42 months): 9.50% APR

Boats/Motors/Trailers:

• 0 to 1 yrs old (72 months): 7.00% APR
• 2 yrs and older (48 months): 7.50% APR
• 0 yrs and older (120 months): 7.95% APR

Motorcycles:

• 0 to 1 yr old (60 months): 7.50% APR
• 2 yrs and older (48 months): 7.75% APR

Recreational Vehicles:

• 0 to 1 yrs old (120 months): 7.50% APR
• 2 yrs and older (60 months): 7.75% APR
• 0 yrs and older (180 months): 8.25% APR

Consumer Goods: 9.95% APR

Farm Equipment: 11.95% APR

Manufactured Homes:

• 0 to 1 yr old: 13.95% APR
• 2 yrs and older: 14.95% APR

Checking Overdraft: 17.95% APR

Personal: 8.99% APR

Share Secured Share rate plus: 3%

Share Certificates Share certificate rates plus: 3%

APR = Annual Percentage Rate

*eMembers receive a .25% rate discount on all new loans (except real estate) and a .5% rate discount on credit cards.

*Hybrid autos get 0.50% rate reduction.

All loan rates and fees may be subject to change based on borrower(s) qualifications and credit score.

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