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LOAN RATES AND GUIDELINES
4/7/04
 Important Note: Rates quoted below our lowest available and may vary based on your
individual credit report.

Loans APR* Term  
Secured Loans (NEW) 5.25% 1 to 12 Months Calculator
  5.25% 13 to 24 Months Calculator
5.25% 25 TO 36 Months Calculator
  5.75% 37 to 48 Months Calculator
5.90% 49 to 60 Months Calculator
  6.75% 60 to 72 Months Calculator
Secured Loans (USED) 5.75% 1 to 12 Months Calculator
  6.00% 13 to 24 Months Calculator
6.25% 25 TO 36 Months Calculator
  6.75% 37 to 48 Months Calculator
7.00% 49 to 60 Months Calculator
  8.00% 60 to 72 Months Calculator

*To exceed 60 Months, value of collateral needs to exceed $20,000.
 
  APR* Term  
Unsecured Loans 10.00% 1 to 12 Months Calculator
  11.00% 13 to 24 Months Calculator
12.00% 25 To 36 Months Calculator
  12.50% 37 to 48 Months Calculator
14.00% 49 to 60 Months Calculator
 
  APR*    
Lines of Credit 12.90%   Calculator
 
Savings or 
Certificate Secured Loans
APR*    
Deposit Rate +2.00%   Calculator
 
  APR* Term  
Real Estate *3 Year Demand Loan 6.90% Up to 240 Months Calculator
 
  APR*    
VISA and VISA GOLD 11.90%   Calculator
*APY = Annual Percentage Yield

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