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To calculate loan payments, dividends earned, or to assist with other financial planning, try our Calculators page.

Peoples Preferred Club Information

RATES QUOTED ARE ACCURATE AS OF August 6, 2008

APY-Annual Percentage Yield

APR-Annual Percentage Rate

DESCRIPTION APR Tier A
APR Tier B
APR Tier C APR Tier D Term/Conditions

Signature Term Loan
7.95%

8.45%

10.45%
N/A 24 months or less

Visa Platinum Prime+2.9% Prime+5.9% Prime+7.9% N/A adjusts with Prime Rate

Visa Platinum with CURewards Prime+3.9% Prime+6.9% Prime+8.9% N/A adjusts with Prime Rate

Property
6.00%

6.50%

9.50%

12.50%
15 years or less

Manufactured Home
8.50%

9.00%

12.00%

15.00%
15 years or less

Home Equity Line of Credit** PRIME PRIME PRIME N/A quarterly reprice (Prime)

HELOC 5-year Balloon 5.99%* 5.99%* 5.99%* N/A 60 months

Frozen Share/Money Club/Certificate 2.5+ 2.5+ 2.5+ 2.5+ APY plus 2.5%

Home Furnishings/Electronics
8.95%

9.45%

11.45%
N/A 36 months or less

New Lawn/Tractor/Farm & Heavy Equipment
7.95%

8.45%

10.45%
N/A 60 months or less

Used Lawn/Tractor/Farm & Heavy Equipment
8.95%

9.45%

11.45%
N/A 36 months or less

Share Secured 2.5+ 2.5+ 2.5+ 2.5+ APY+ 2.5%

Money Club Secure 2.5+ 2.5+ 2.5+ 2.5+ APY+ 2.5%

Certificate Secured 2.5+ 2.5+ 2.5+ 2.5+ APY+ 2.5%/TERM

Home Mortgage**

*First 5 years, then refinance

**Contact mortgage loan officer for current rate quote

Share Accounts Annual Percentage Rate Annual Percentage Yield

Regular Shares* 0.500% 0.50%

Christmas/Vacation Club Accounts** 0.500% 0.50%

Money Club $0.01 to $5,000.00***/**** 0.750% 0.750%

Money Club $5,000.01 to $25,000.00**** 1.485% 1.50%

Money Club $25,000.01 and over**** 1.785% 1.80%

6-Month Share Certificate***** 2.815% 2.85%

1-Year Share/IRA Certificate***** 2.960% 3.00%

18-Month Share/IRA Certificate***** 3.920% 4.00%

2-Year Share Certificate/IRA***** 3.200% 3.25%

3-Year Share Certificate/IRA***** 3.920% 4.00%

IRA* 0.750% 0.75%

Coverdell Educational Savings Account* 0.750% 0.75%

*Prospective rate quoted is compounded daily-paid monthly

**Propective rate quoted is compounded daily-paid annually

***$5,000.00 minimum opening balance

****Prospective rate quoted is average daily balance-paid monthly

*****$1,000.00 minimum deposit-compounded daily-paid monthly

Fees and/or early withdrawal may reduce earnings on your account

AUTO LOANS

NADA-National Auto Dealers Association

MSRP-Manufacturer's Suggested Retail Price

New Autos

term Tier A+ (110% MSRP/NADA + TTL) APR and payment per $1000 borrowed Tier A (105% MSRP/NADA + TTL) APR and payment per $1000 borrowed Tier B (100% MSRP/NADA + TTL) APR and payment per $1000 borrowed
Tier C (90% MSRP/NADA+TTL) APR and payment per $1000 borrowed

Tier D (80% MSRP/NADA) APR and payment per $1000 borrowed

48
4.75%

$22.92

5.25%

$23.15

5.75%

$23.38

8.75%

$24.78

12.75%

$26.71

60
4.75%

$18.76

5.75%

$19.22

5.75%

$19.22

8.75%

$20.64

12.75%

$22.64

66
5.25%

$17.48

5.75%

$17.72

6.25%

$17.95
N/A N/A

72
5.25%

$16.23

5.75%

$16.46

6.25%

$16.70
N/A N/A

84

(40K+)

6.25%

$14.74

6.75%

$14.98

7.75%

$15.47
N/A N/A

Used Autos: 2003-2008

term Tier A+ (110% MSRP/NADA + TTL) APR and payment per $1000 borrowed Tier A (105% MSRP/NADA + TTL) APR and payment per $1000 borrowed Tier B (100% MSRP/NADA + TTL) APR and payment per $1000 borrowed Tier C (90% MSRP/NADA+TTL) APR and payment per $1000 borrowed Tier D (80% MSRP/NADA + TTL) APR and payment per $1000 borrowed

24
4.75%

$43.77

4.75%

$43.77

5.75%

$44.21

8.75%

$45.58

10.75%

$46.50

36
4.75%

$29.86

4.75%

$29.86

5.75%

$30.31

8.75%

$31.69

11.75%

$33.10

48
4.75%

$22.92

4.75%

$22.92

5.75%

$23.38

8.75%

$24.78

11.75%

$26.22

60
5.25%

$18.99

5.25%

$18.99

6.25%

$19.46

10.75%

$21.63

14.75%

$23.67

66
5.75%

$17.72

5.75%

$17.72

6.25%

$17.95
N/A N/A

Used Autos 1997-2002

term Tier A+ (110% MSRP/NADA + TTL) APR and payment per $1000 borrowed Tier A (105% MSRP/NADA + TTL) APR and payment per $1000 borrowed Tier B (100% MSRP/NADA + TTL) APR and payment per $1000 borrowed Tier C (90% MSRP/NADA+TTL) APR and payment per $1000 borrowed Tier D (80% MSRP/NADA + TTL) APR and payment per $1000 borrowed

24
7.25%

$44.90

7.75%

$45.12

8.75%

$45.58

9.25%

$45.81

11.75%

$46.96

36
8.25%

$31.46

8.75%

$31.69

8.75%

$31.69

9.75%

$32.16

14.75%

$34.55

48
8.25%

$24.54

8.75%

$24.78

9.25%

$25.01

11.25%

$25.97
N/A

MOTORCYCLE & ATV LOANS

New Motorcycles (100% of MSRP or invoice+TTL)

term Tier A+ and payment per $1000 borrowed Tier A APR and payment per $1000 borrowed Tier B APR and payment per $1000 borrowed Tier C APR and payment per $1000 borrowed

36
5.50%

$30.20

6.00%

$30.43

7.00%

$30.88

9.00%

$31.80

48
5.50%

$23.27

6.00%

$23.49

7.00%

$23.96

9.00%

$20.77

60
6.00%

$19.34

6.50%

$19.58

7.50%

$20.05

9.50%

$21.01

72
6.50%

$16.81

7.50%

$17.29

8.50%

$17.78
N/A

Used Motorcyles (80% NADA retail value or invoice+TTL)

New ATV (90% of MSRP or invoice+TTL)

term Tier A+ APR and payment per $1000 borrowed Tier A APR and payment per $1000 borrowed Tier B APR and payment per $1000 borrowed Tier C APR and payment per $1000 borrowed

36
6.00%

$30.43

6.50%

$30.66

7.50%

$31.11

9.00%

$31.80

48
6.50%

$23.72

7.00%

$23.84

8.50%

$24.66

11.00%

$25.80

60
7.00%

$19.81

8.00%

$20.28

9.50%

$21.01
N/A

Used ATV (60% NADA retail value or invoice+TTL)

term Tier A+ APR and payment per $1000 borrowed Tier A APR and payment per $1000 borrowed Tier B APR and payment per $1000 borrowed Tier C APR and payment per $1000 borrowed

24
7.50%

$44.99

8.50%

$45.15

8.50%

$45.45

12.50%

$47.32

36
9.00%

$31.80

9.50%

$32.04

9.50%

$32.04

13.50%

$33.95

48
10.00%

$25.36

10.50%

$25.60

11.50%

$26.10

14.50%

$27.59

RV, BOAT, AND PERSONAL WATERCRAFT LOANS

New RV/Boat (100% of MSRP or 135% invoice +TTL)

term Tier A+ APR and payment per $1000 borrowed Tier A APR and payment per $1000 borrowed Tier B APR and payment per $1000 borrowed Tier C APR and payment per $1000 borrowed

36
5.25%

$30.09

5.75%

$30.31

6.75%

$30.77

9.75%

$32.16

48
5.25%

$23.15

5.75%

$23.38

6.75%

$23.84

10.75%

$25.74

60
5.75%

$19.22

6.25%

$19.46

8.50%

$20.52

11.75%

$22.13

72
6.25%

$16.70

6.75%

$16.94

9.00%

$18.03

14.75%

$21.02

84
6.50%

$14.86

7.00%

$15.10

9.50%

$16.35

14.75%

$19.17

85-144 (minimum

$12,000)

6.75%

$14.84-10.16

7.00%

$14.96-10.29

10.00%

$16.48-11.92

14.75%

$14.82-14.86

145-180(min $25,000)

7.00%

$10.25-9.00

7.25%

$10.38-9.14

N/A

N/A

Used RV/Boat (90% NADA retail value or invoice+TTL)

term Tier A+ APR and payment per $1000 borrowed Tier A APR and payment per $1000 borrowed Tier B APR and payment per $1000 borrowed Tier C APR and payment per $1000 borrowed

24
6.00%

$44.33

6.50%

$44.55

7.50%

$44.99

10.50%

$46.36

36
6.00%

$30.43

6.50%

$30.66

7.50%

$31.00

11.50%

$32.97

48
6.25%

$23.61

7.00%

$23.96

8.50%

$24.66

12.50%

$26.60

60
6.75%

$19.69

7.50%

$20.05

10.50%

$21.49

13.50%

$23.02

61-96

(minimum $12,000)

7.75%

$19.90-14.02

8.75%

$20.38-14.53

11.00%

$21.49-15.72

15.00%

$23.54-17.96

97-144

(minimum $25,000)

7.75%

$13.91-10.70

8.75%

$14.43-11.25

11.50%

$15.89-12.84
N/A

New PWC (80% of MSRP or 100% invoice+TTL)

term Tier A+ APR and payment per $1000 borrowed Tier A APR and payment per $1000 borrowed Tier B APR and payment per $1000 borrowed Tier C APR and payment per $1000 borrowed

36
6.50%

$30.66

7.50%

$31.11

9.50%

$32.04

10.50%

$32.51

48
6.50%

$23.72

7.50%

$24.19

10.50%

$25.60

12.50%

$26.60

60
7.50%

$20.05

8.50%

$20.52

12.50%

$22.51
N/A

Used PWC (80% NADA retail value or invoice+TTL)

term Tier A+ APR and payment per $1000 borrowed Tier A APR and payment per $1000 borrowed Tier B APR and payment per $1000 borrowed Tier C APR and payment per $1000 borrowed

24
7.50%

$44.99

8.50%

$45.45

11.00%

$46.63

12.00%

$47.07

36
8.50%

$31.56

9.50%

$32.04

12.00%

$33.21

14.00%

$34.19

48
10.50%

$25.60

11.50%

$26.10

14.00%

$27.73

16.00%

$28.33

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