105 East Cherry Street Vermillion

*** LOAN RATES ***


LOAN SPECIAL
Christmas loan specials available through January: 7.00% for 11 months loan terms. Vehicle loans with loan to value ratios of 80% or less are 6% for up to 5 years
VEHICLE LOANS
	YEAR	2008-2006		2005 - 2003		2002 - 2000		1999 & older
	% LOANED OF RETAIL VALUE	80% or less	80% to 100%	80% or less	80% to 100%	80% or less	80% to 100%	80% or less	80% to 100%

	APR	6.50%	7.00%	8.00%	8.50%	10.00%	10.50%	10.00%	10.50%

	TERMS	Maximum 60 months		Maximum 60 months		Maximum 48 months		Maximum 24 months

*RATES ADJUST UP 1.00% FOR LONGER TERMS*


SIGNATURE LOANS
Maximum 24 months - 12.00%
Over 24 months - 13.00%

HOME EQUITY / HOME IMPROVEMENT
7.00% maximum 5 years
8.00% maximum 10 years

COMPUTER LOANS
11.00% maximum 36 months

MOBILE HOME
13.00% maximum 7 years

PLEDGE SECURED
5.00% (or 2.00% above current rate)

* * * STUDENT LOANS AVAILABLE THROUGH EASCI * * * PLEASE CONTACT YOUR FINANCIAL AID DEPARTMENT RATES SET BY THE DEPARTMENT OF EDUCATION

* ALL LOANS SUBJECT TO ELIGIBILITY REQUIREMENTS AND CREDIT APPROVAL * * ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE *

*** CERTIFICATE RATES ***


DEPOSIT TYPE	RATE	TERMS

Shares	1.26% APY	For balances of $50 or over
Drafts	.50% APY	For balances of $1000 or over
Term Share Certificates	2.00% APY	6 months, for balances $1,000 to $9999.99
	2.27% APY	6 months, for balances $10,000 or over
	2.50% APY	12 months, for balances $500 to $9999.99
	2.50% APY	12 months, for balances $10,000 and over
	2.77% APY	18 months, for balances $1,000 or over (semi-annual dividends)

APY = Annual Percentage Yield. Dividends are calculated based on the balance at the end of each business day. Rates and terms are subject to change without notice.





TOOLS FOR USE

	Loan Calculator

rates were last updated on: Wednesday, December 31, 2008 09:52:33 AM