Loan and Visa Interest Rates

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Vehicle Interest Rates Effective Apr 01 2014
Type of Loan APR* Loan Terms
Auto
New & Used Vehicle Rates range from 2.99% - 11.24% fixed APR for vehicles with UNDER 125,000 miles. Maximum term is based on the loan amount. Vehicles with 125,000 miles or more are subject to higher rates. All auto loan rates excludes Toter and Toter Home vehicles; commercial, commercial use or fleet vehicles. No branded, salvaged, or rebuilt titles.

Term is determined by vehicle mileage and loan amount.

Motorcycle
Motorcycles: Highway Registered Road Motorcycles New & Used Models. Excludes custom built or motorcycles for which a published book value is not available. Scooters: Road registered; classified by DOL as "cycle"/CYC New models only; Minimum engine size 49/50cc Rates range from 4.49% - 13.99% fixed APR.

Term is determined by amount financed.

Boats
Boats: 16-28 feet. New and last 9 model years. Total 10 model years including current model year. No live-a-board boats; or any boats lived in or planning to live in for 5 or more months during the year. Rates range from 5.49% to 14.99% fixed APR. Older model year loans, if approved, are subject to higher rates.

Term is based on loan amount.

RV
RVs: Includes campers, tent and travel trailers, fifth wheels, RV/sports trailers, motor homes, and recreational park trailers. Excludes Toter and Toter Home vehicles. Excludes ANY unit lived in (or planning to live in) 5 or more months during the year. Recreational Park Trailers: new models only. New and last 9 model years. Total 10 model years including current model year. Rates range from 3.99% - 12.99% fixed APR for special 72 month term. Rates range from 4.49% -14.49% fixed APR for other terms. Older model units, if approved, are aubject to higher rates.

Term is determined by amount financed.
Special short term (72 months) and standard terms available.

Horse and Cargo Trailer
Horse and Cargo Trailers: New models only. With or Without living quarters. Rates range from 5.49% - 14.99% fixed APR.

Term is determined by amount financed.

* APR = Annual Percentage Rate. All rates based on approved credit.

Your individual financing and the interest rate to which you qualify will be based on your personal credit history, loan term and model year. Model years older than listed or mileage higher than listed are subject to higher rates.

Home Equity Interest Rates Effective Apr 01 2014
Type of Loan APR* Loan Terms
ChoiceLine Equity - Home Equity Line of Credit
Primary Residence - 80% or less Loan-to-Value (LTV) Value is based on tax assessed value and verified by independently certified valuation; or full appraisal. Member pays cost for appraisal. Value method and cost determined at time of application. Category is limited to stick built homes. 3.25% variable APR rate. Rates for fixed term advances taken against the line range from 3.74%-5.49% APR.

Draw period for line of credit is 10 years. Fixed term advances taken during or after the draw period may range from 12-180 months. The total rate adjustment cannot exceed 18% Annual Percentage rate over the life of the loan.

Primary Residence - Over 80% Loan-to-Value (LTV) on stick built homes. Manufactured Homes must be new or last 9 model years and limited to 80% or less LTV. Must be classified as real property & located on land in the borrower's name. Value is based on tax assessed value and verified by independently certified valuation; or full appraisal; member pays cost for appraisal. Value method and cost determined at time of application. LTV over 80% is an exception and requires additional review and approval. 5.25% variable APR rate. Rates for fixed term advances taken against the line range from 5.74% to 6.99% APR.

Draw period for line of credit is 10 years. Fixed term advances taken during or after the draw period may range from 12-180 months. The total rate adjustment cannot exceed 18% Annual Percentage rate over the life of the loan.

Equity Express
Equity Express is an easy no-hassle home equity loan! Owner occupied primary residence. Manufactured home with land must be classified as real property. Must be new or last 14 model years and located on land in the borrower's name. Value is based on tax assessed value and verified by independently certified valuation. Loan amount is limited to 80% of less of value. TwinStar must be in junior lien position only. 3.74% fixed APR. Minimum Loan Amount: $5,000 Maximum Loan Amount: $30,000

Maximum 60 month term. Processing fees may be waived (escrow, flood determination,title insurance, and recording). Processing fees apply ($300.00) if paying off funds in a TwinStar ChoiceLine Equity.

Home Equity Loan
Primary Residence: 80% or less Loan-to-Value (LTV). Limited to stick built homes. TwinStar must be in junior lien position only. Rates range from 3.74% - 5.49% fixed APR.

Terms range from 60 months - 180 months. Rate is based on term. LTV is 80% or less. Value is based on tax assessed value and verified by independently certified valuation; or full appraisal. Borrower pays cost for appraisal. Value method and cost determined at time of application.

Primary Residence over 80% Loan-to-Value (LTV) and Manufactured Homes (limited to 80% or less LTV). Manufactured homes are limited to new or last 14 model years. Must be classified as real property and must be located on land in the borrower's name. TwinStar must be in junior lien position only. Rates range from 5.74% - 6.99% fixed APR.

Terms range from 60 months - 180 months. Rate is based on term. Over 80% LTV may be considered for permanent construction property. LTV is limited to 80% of less for manufactured homes. Value is based on tax assessed value and verified by independently certified valuation; or full appraisal. Borrower pays cost for appraisal. Value method and cost determined at time of application.

* APR = Annual Percentage Rate. All rates based on approved credit.
Visa Credit Card Interest Rates Effective Mar 10 2014
Title Credit Limit Introductory APR* Cash APR Purchase APR Balance Transfer APR Annual Fee Rewards
Classic $250 - and up 1.90% Fixed 14.00% Variable 11.00% Variable 8.00% Variable $0 none
Platinum $2500 - and up 1.90% Fixed 12.00% Variable 9.00% Variable 6.00% Variable $0 none
Platinum Rewards $2500 - and up 1.90% Fixed 13.00% Variable 10.00% Variable 7.00% Variable $25 Earn one point for each dollar in purchases.

* APR = Annual Percentage Rate. All rates based on approved credit.

Method of Balance Computation: Average Daily Balance (including current purchases)
Grace Period: 21 days
Minimum Payment: 3% of the balance or minimum $25 whichever is greater.
Late Payment Fee: Payments more than 4 days past due will be charged $20.00
Lost Card Replacement Fee: $5.00

The fixed introductory rate applies to new purchases posted to a new Visa® account for 180 days from the account open date. Your rate for purchases and unpaid balances after the 180-day introductory period will be adjusted to non-introductory rates.

Rates are subject to change quarterly. The index is The Wall Street Journal Western Edition Prime Rate as of: February 28; May 31; August 31; November 30 of each calendar year, plus the margin. Rates are subject to change: March 10; June 10; September 10; and December 10 of each calendar year.

Download a printable disclosure/card agreement: