Rates as of December 20, 2011 per board approval. Rates are subject to change without notice.

20 - 30 YR. MORTGAGE	*APR	NMLS # 811861
Real Estate - A.R.M. (1st-90%)	5.25%	(Prime Rate +2.0%)
Real Estate - Fixed	9.00%
OTHER LOANS
Mobile Home	11.00%
Agriculture	12.50%
Signature	12.00%
Line of Credit	14.50%
Share Loan (2 Yr. Loan)	2.00% over Passbook rate
Share Loan (Over 2 Yrs.)	3.00% over Passbook rate
Certificate Loans	2.00% over CD rate
4-H Loans	4.00%	Maximum $4,000.00
Other	12.00%
VEHICLE & MOTORCYCLE
All car loans will be valued for financing per the NADA book.
New Vehicles	72 months
2007-2010	60 months
2004-2006	48 months
2001-2003	36 months
2000-0lder	24 months
BEACON  SCORE	APR*	LOAN TO VALUE %
730 +	5.4%	100%
700 - 729	6.4%	100%
650-699	8.4%	90%
600-649	11.4%	80%
**550-599	12.4%	70%
**549- or less	13.4%	70%
*APR is the Annual Percentage Rate.
Vehicle rate will vary depending on the applicant's Beacon score. **599-550 must have a co-signor that has a beacon score above 650 & below 550 must have a co-signor that has a Beacon score over 700.  *** Members with no beacon score will be in the 600-649 category.
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