| Loan Rate Schedule |
Effective December 28, 2011
|
APR *1 |
| Personal, Overdraft, Access Line of Credit *2 |
Quarterly variable as low as |
9.99% |
| Share Secured *3 |
Quarterly variable |
5.00% |
| Certificate Secured *4 |
3% over Index (Consult Certificate Rates) |
|
| New Vehicle *5 |
36 months or less as low as |
2.49% |
| (Less than 2 years old and less than 30,000 miles) |
48 months or less as low as |
2.99% |
|
60 months or less as low as |
3.99% |
|
72 months or less as low as |
4.49% |
|
84 months or less as low as |
5.99% |
| Used Vehicle, New Motorcycle, |
48 months or less as low as |
4.49% |
| New RV, New Boat *6 |
60 months or less as low as |
4.99% |
| (More than 2 years old and more than 30,000 mils) |
72 months or less as low as |
5.99% |
|
84 months or less as low as |
6.99% |
| Mature Vehicle and other secured *7 |
48 months or less as low as |
6.99% |
|
60 months or less as low as |
7.49% |
|
72 months or less as low as |
7.99% |
|
84 months or less as low as |
8.49% |
| Home Equity Line of Credit *8 |
50% or less loan to value as low as |
3.00% |
|
80% or less loan to value as low as |
4.00% |
|
90% or less loan to value as low as |
5.00% |
|
95% or less loan to value as low as |
6.00% |
|
95% or greater loan to value as low as |
7.00% |
| Second Mortgage *9 |
as low as |
5.99% |
|
Contact for more details |
|
| Mobile Home *10 |
50% loan to value as low as |
9.99% |
|
75% loan to value as low as |
10.99% |
| Personal single payment note |
92 days or less |
17.99% |
| Unimproved Property *11 |
2YR ARM as low as |
6.25% |
|
5/1 ARM as low as |
6.75% |
| VISA |
Platinum |
8.99% |
|
Classic |
13.90% |
| Mortgages *11 |
2YR ARM as low as |
3.00% |
|
5/1 ARM as low as |
4.00% |
|
|
|
| Other options available: |
15 & 30 yr fixed rate, jumbo mortgages and secondary residence |
Call for rates |
|
|
|
| Investment/Rental Propery |
2 YR ARM as low as |
5.50% |
|
5/1 ARM as low as |
6.00% |
*1 Annual Percentage Rate (APR) is subject to credit approval and can change without notice.
*2 Personal loan margin will be determined based upon a combination of credit scores provided through Equifax, Inc. The quarterly Index will be the Wall Street Journal’s published prime rate as of the 15th day of December, March, June, and September and any subsequent rate change will occur on the first of the following months. The minimum Index value used will be 5.99%.
*3 The Index each quarter is based upon the highest dividend rate paid on regular shares rounded up to the next even quarter percent. The minimum Index value used will be 2%. 4Certificate loans use the certificate dividend rate rounded up to the next even quarter percent as the Index. The minimum Index value used will be 2%.
*5,6,7 Our definition of New, Used, and Mature vehicles expands your financing opportunities; please contact a Loan Officer for details. Your rate will be determined using a combination of credit scores provided through Equifax, Inc.
*8,9,11 Real property must be located in the state of South Carolina. Your rate will be determined by the original term of the loan and/or original loan to value percentage.
*10 Mobile home must be located in the state of South Carolina. Your rate will be determined by the original term of the loan and original loan to value. Other restrictions apply based upon the specific loan type requested. |
