Loan Rates and Terms

As of April 15 2008

Risk Based Lending According to Credit

 Signature Loans  ~  Share Loans  ~  Cars / Trucks  ~  Motorcycles  ~  Motor Homes  ~  Boats / Jet Skis 
 Trailers  ~  Campers  ~  Aircraft  ~  Motorized Equipment  ~  Real Estate 

 
Signature Loans
Loans up to $10,000 with terms up to 60 months 12.25 %
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Share or Certificate Loans
2.75 % above current rate earned on share or certificate.
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Cars and Trucks
• New car loans are made at 100% of purchase price
• Used car loans are made at 100% of appraisal or purchase price... whichever is lower
• Requires title and proof of insurance
Up to $18,000 ~ 48 months or less 5.75 %
Up to $18,000 ~ 48 to 60 months 6.25 %
Over $18,000 ~ Up to 72 months 6.50 %
Over $30,000 ~ Up to 84 months 7.00  %
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Motorcycles
• Requires title and proof of insurance
Under $18,000 ~ Up to 60 months 6.00 %
$18,000 or more ~ Up to 72 months 7.00 %
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Motor Homes
• Requires title and proof of insurance
Under $50,000 ~ Up to 120 months 6.75 %
Over $50,000 ~ From 120 to 180 months 7.25 %
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Boats and Jet Skis
• Rates apply whether new or used
• Requires title and proof of insurance
Under $18,000 ~ Up to 60 months * 7.25 %
Over $18,000 ~ Up to 72 months * 7.25 %
Over $30,000 ~ Up to 84 months * 7.50 %
Over $50,000 ~ Up to 120 months ** 7.75 %
* Loans to 100% of purchase price
** 100% of retail blue book plus sales tax, or 100% of appraisal... whichever is lower
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Travel Trailers
• Rates apply whether new or used
• Requires title and proof of insurance
Under $18,000 ~ Up to 60 months * 7.00 %
Over $18,000 ~ Up to 72 months * 7.00 %
Over $30,000 ~ Up to 84 months * 7.50 %
Over $50,000 ~ Up to 120 months ** 7.75 %
* Loans to 100% of purchase price
** 100% of retail blue book plus sales tax, or 100% of appraisal... whichever is lower
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Campers

• New or used ~ Up to 120 months
• Requires title and proof of insurance

8.25 %
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Aircraft
• Rates apply whether new or used.
• Requires title and proof of insurance
Under $18,000 ~ Up to 60 months 7.25 %
Over $18,000 ~ Up to 72 months 7.25 %
Over $30,000 ~ Up to 84 months 7.50%
Over $50,000 ~ Up to 120 months 7.75 %
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Motorized Equipment
• Rates apply whether new or used
• Requires title and proof of insurance
Under $18,000 ~ Up to 48 months * 5.75 %
Under $18,000 ~ 48 to 60 months 6.25 %
Over $18,000 ~ Up to 72 months ** 6.50 %
Over $30,000 ~ Up to 84 months ** 7.00 %
* Loans to 100% of purchase price
** 100% of retail blue book plus sales tax, or 100% of appraisal... whichever is lower
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Real Estate
First trust deed = 6.50 %
• Term of loan: Up to 20 years
• 80% of appraised value up to $400,000
Second trust deed = 7.00 %
• Term of loan: Up to 15 years
• 80% of appraised value, less first mortgage up to $400,000
• Loans are for owner occupied property
• Loans are non-assumable
• Loans are available for Nevada residences only
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