| Loan Rate Schedule |
Effective
April 1, 2008 |
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 |
48 months or less as low as |
4.49% |
| (Less than six years old and less than 60,000 miles) |
60 months or less 3% over Index as low as |
4.99% |
|
72 months or less as low as |
5.99% |
|
84 months or less as low as |
7.24% |
| Used Vehicle, New Motorcycle, |
48 months or less as low as |
5.99% |
| New RV, New Boat *6 |
60 months or less as low as |
6.49% |
|
72 months or less as low as |
7.49% |
|
84 months or less as low as |
8.74% |
| Mature Vehicle and other secured *7 |
36 months or less as low as |
9.49% |
|
48 months or less as low as |
9.99% |
|
60 months or less as low as |
10.99% |
|
72 months or less as low as |
12.24% |
|
84 months or less as low as |
13.49% |
| Home Equity Line of Credit *8 |
50% or less loan to value |
4.00% |
|
80% or less loan to value |
5.00% |
|
90% or less loan to value |
6.00% |
|
100% or less loan to value |
7.00% |
| Second Mortgage *9 |
60 months or less as low as |
5.99% |
|
120 months or less as low as |
6.99% |
|
180 months or less as low as |
7.99% |
| Mobile Home *10 |
60 months or less as low as |
9.99% |
|
120 months or less as low as |
11.99% |
| Personal single payment note |
92 days or less |
18.00% |
| Unimproved Property *11 |
2YR ARM |
6.25% |
|
5/1 ARM |
7.00% |
| VISA |
Platinum |
7.99% |
|
Classic |
12.90% |
| Mortgages *11 |
2YR ARM |
4.50% |
|
5/1 ARM |
5.25% |
|
103% 2YR ARM |
4.50% |
|
103% 5/1YR ARM |
5.25% |
|
15 & 30 fixed rate mortgages available |
Call for rates |
*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. |
