CheckPoint Checking *
No Monthly Service Charge
$50.00 Minimum Deposit |
|
Annual Interest Rate |
Annual Percentage Yield |
|
|
0.00% |
0.00% |
KEYAdvantage Checking *
$50.00 Minimum Deposit |
|
Annual Interest Rate |
Annual Percentage Yield |
| |
$1,000.00 or above |
0.15% |
0.15% |
|
|
|
$5.00 Monthly Service Charge if Average Daily Balance is less than $250. |
GoldenKEY Checking*
(For Ages 50 or above)
$50.00 Minimum Deposit |
|
Annual Interest Rate |
Annual Percentage Yield |
|
$1,000.00 or above |
0.15% |
0.15% |
|
|
|
$3.00 Monthly Service Charge if Average Daily Balance is less than $1000 |
VantagePoint Checking *
$50.00 Minimum Deposit |
|
Annual Interest Rate |
Annual Percentage Yield |
|
$5,000.00 - $9,999.99 |
0.10% |
0.10% |
|
$10,000.00 - $19,999.99 |
0.15% |
0.15% |
|
$20,000.00 - $24,999.99 |
0.25% |
0.25% |
|
$25,000.00 - $49,999.99 |
0.50% |
0.50% |
|
$50,000.00 - $74,999.99 |
0.75% |
0.75% |
|
$75,000.00 or above |
1.00% |
1.01% |
|
|
$10.00 Monthly Service Charge if Average Daily Balance is less than $5,000.00. |
MoneyPoint Account*
$5,000.00 Minimum Deposit |
|
Annual Interest Rate |
Annual Percentage Yield |
|
$0.00-$4,999.99 |
0.00% |
0.00% |
|
$5,000.00-$24,999.99 |
0.50% |
0.50% |
|
$25,000.00-$74,999.99 |
0.75% |
0.75% |
|
$75,000.00-$149,999.99 |
1.00% |
1.01% |
|
$150,000.00-$199,999.99 |
1.25% |
1.26% |
|
$200,000.00-$299,999.99 |
1.50% |
1.51% |
|
$300,000.00 or above |
1.75% |
1.76% |
|
|
$10.00 Monthly Service Charge if Average Daily Balance is less than $5,000.00. Transaction limitations apply. |
| *All Checking Accounts are based on the Average Daily Balance. |
| SHARE (Savings/CD's) SECURED |
Term |
APR |
| ** 3% prevailing deposit rate |
12-60 Months |
** |
| NEW CARS & MOTORCYCLES |
Term |
APR |
| 61-72 Months available over $15K |
12-36 Months |
5.50% |
| 73-84 Months available over $30K |
37-48 Months |
5.75% |
|
49-60 Months |
6.00% |
|
61-66 Months |
6.25% |
|
67-72 Months |
6.50% |
|
73-84 Months |
8.50% |
| USED CARS AND MOTORCYCLES |
Term |
APR |
| 61-72 Months available over $15K |
12-36 Months |
7.25% |
| 73-84 Months available over $30K |
37-48 Months |
7.75% |
|
49-60 Months |
8.25% |
|
61-66 Months |
8.75% |
|
67-72 Months |
9.25% |
|
73-84 Months |
10.25% |
| OLDER USED CARS AND MOTORCYCLES |
Term |
APR |
| 61-72 Months available over $15K |
12-36 Months |
N/A |
| 73-84 Months available over $30K |
37-48 Months |
N/A |
|
49-60 Months |
N/A |
| MISCELLANEOUS SECURED (NEW) |
Term |
APR |
| Boats, Motors, ATV's, Tractors, etc. |
12-36 Months |
7.50% |
|
37-48 Months |
7.75% |
|
49-60 Months |
8.00% |
|
61-72 Months |
8.25% |
| 73-84 Months available over $15K, excludes ATV & Jetskis |
73-84 Months |
8.50% |
| 85-120 Months available over $20K |
85-120 Months |
8.75% |
| 121-144 Months available over $30K |
121-144 Months |
9.00% |
| MISCELLANEOUS SECURED (USED) |
Term |
APR |
| Boats, Motors, ATV's, Tractors, etc. |
12-36 Months |
8.00% |
|
37-48 Months |
8.25% |
|
49-60 Months |
8.50% |
|
61-72 Months |
8.75% |
| 73-84 Months available over $15K, excludes ATV & Jetskis |
73-84 Months |
9.00% |
| 85-120 Months available over $20K |
85-120 Months |
9.25% |
| 121-144 Months available over $30K |
121-144 Months |
9.50% |
| RECREATIONAL VEHICLES (NEW) |
Term |
APR |
| Travel Trailers, and Campers, Min Finance amt is $7,500.00 |
12-48 Months |
8.75% |
|
49-60 Months |
9.00% |
| 72 Months available over $15K, |
61-72 Months |
9.75% |
|
73-84 Months |
10.75% |
| 120 Months available over $25K |
85-120 Months |
11.50% |
RECREATIONAL VEHICLES (NEW)
Minimum finance amount is $7,500.00 |
Term |
APR |
| Travel Trailers and Campers |
12-48 Months |
8.75% |
|
49-60 Months |
9.00% |
| 72 months available over $15K |
61-72 Months |
9.75% |
| 84 Months available over $25K |
73-84 Months |
10.75% |
|
85-120 Months |
11.50% |
RECREATIONAL VEHICLES (USED)
Minimum finance amount is $5,000.00 |
Term |
APR |
| Travel Trailers and Campers |
12-48 Months |
9.75% |
|
49-60 Months |
10.00% |
|
61-72 Months |
10.75% |
| 84 Months available over $15K |
73-84 Months |
11.75% |
MOTOR HOMES (NEW)
Down Payment may be required. |
Term |
APR |
|
12-48 Months |
8.75% |
|
49-60 Months |
9.00% |
| 72 Months available over $25K |
61-72 Months |
9.75% |
|
73-84 Months |
10.75% |
| 120 Months available over $45K |
85-120 Months |
11.75% |
| 144 Months available over $55K |
121-144 Months |
12.75% |
MOTOR HOMES (USED)
Down Payment may be required. |
Term |
APR |
|
12-48 Months |
9.75% |
|
49-60 Months |
10.00% |
| 72 Months available over $25K |
61-72 Months |
10.75% |
|
73-84 Months |
11.75% |
| 120 Months available over $45K |
85-120 Months |
12.75% |
| 144 Months available over $55K |
121-144 Months |
13.75% |
RATES LISTED ARE BASED ON THE BEST POSSIBLE RATE OFFERED FOR EXCEPTIONAL CREDIT
QUALIFICATIONS INCLUDING A DISCOUNT WITH AUTO TRANSFER.
APR = Annual Percentage Rate
*0.25% discount for automatic payment loans
|
| SMARTKEY VISA |
|
APR |
| No Annual Fee, Credit limitations may apply based on credit history |
|
10.25% |
| CLASSIC POINT VISA |
|
APR |
| No Annual Fee, Credit limitations may apply based on credit history |
|
13.00% |
| REWARDSPOINT VISA |
|
APR |
| No Annual Fee, Credit limitations may apply based on credit history |
|
10.00% |
| BIZPOINT VISA |
|
APR |
| No Annual Fee, Credit limitations may apply based on credit history |
|
8.25% |
| SIGNATURE LOANS |
Term |
APR |
| General Purpose Use - Debt Consolidation, Medical, Family Emergency, Vehicle Repairs, etc. |
1-5 Yrs |
10.75% |
| EDUCATIONAL OR VACATION LOANS |
Term |
APR |
| Maximum loan amount is $4,000 for a 1 Year term. No balloon payment |
1 Yr |
9.25% |