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Disclosure Page
   
 

         Rates and Terms are subject to change.  All rates are considered
               "as low as" and depend on qualifications of the borrower.
                               Please call the office to confirm details.

                                      LOAN and CD rates as of 11/14/16

                            ASK ABOUT OUR SKIP A PAYMENT LOANS!


                 $3,000 for 12 months at 2.95% or $5,000 for 24 months at 3.95%
                                              (A+, A and B credit only)

           Check out our better car loan terms!

NEW LOAN PROGRAM PAGE

                                                  Vehicle Loan Rates*
 
                    Model Yrs:                       2017-2011                            2010-2007

                       FICO          36         48        60        72        84         48  months
Autos    A+      730+       2.25%   2.25%  2.25%  4.25%  4.25%     7.00%    7-10 years old
             A    680-729       2.75      2.75     2.75     4.75     4.75         7.5         (80% NADA)
             B    640-679       3.25      3.25     3.25     5.25     5.25          8
             C    600-639       3.75     4.00     4.25     5.75     5.75          9
             D    550-599       4.50      4.75     5.00     6.25     6.25         10
             E    below 550    5.00      5.25     5.50     6.75     6.75         11

                                   (Add 1% for motorcycles and snowmobiles)

            Boats, Campers, RV - 90% of book value up to 15 model years old:
              up to $30k  @ 5.25% for 72 mo. ; $30k+ @ 6.25% for 120 mo.

                         *For Auto Loans - Maximum length of loan is dependent
                          on model year of vehicle.  Contact the office for details.

                                 Save .5% on Vehicle and Signature Loans!
                             With Autopay and Direct Deposit
you could pay
                                                     as low as 1.75% !!
                                   

                                               36            48             60            72       months
Signature    A+    730+          6.50%     7.00%      7.50%      8.00%
                    A     680-729      7.50        8.00          8.50         9.00
                    B    640-679       8.50        9.00          9.50        10.00
                    C    600-639      11.00      11.50       12 .00         na
                    D    550-599      12.00      12.50       13.00          na
                    E    below 550   13.50      14.00       14.00          na

 Signature loans up to $15,000 for A+, A, B credit.  Up to $7500 for C, D, E credit.


Share Secured:  2% + Current Dividend Rate  (ex.  .10% + 2% = 2.10%)

Call the office for our great rates on Home Equity Loans and Lines of Credit!

For current mortgage rates: http://www.OwnersChoice.com 

                                                Savings Rates**

Term Share Certificates         6               12                 18                 24      months
   
        Minimum Deposit      $1000          1000             2500            2500    
                         Rate          0.15%         0.30%          0.40%          0.50%    
                         APY^        0.1501%     0.3003%     0.4006%      0.5009%   

      ^  APY = Annual Percentage Yield

     ** Fees may reduce actual return.  90  days interest penalty for early withdrawal.
                                        See disclosure page for further details.