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Loan Rates Consumer Loan Rates

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Loan Rates Consumer Loan Rates Powered By Docstoc
					                                              Loan Rates
 For your information, we have included rates for our retail loans. If you need other rate
                  information, please give us a call at 319-753-9140.

                                     Consumer Loan Rates
                               Rates Accurate as of May 5, 2009

                             Changes are made to the rates shown here as they occur.


                    Type                               Term  Annual Percentage         Payment per
                                                                  Rate*                $1,000 in loan
New Auto (over $35,000 and 700+ credit score)    72 mos.         6.490%                    $16.80
New Auto                                         60 mos.         6.375%                    $19.50
New Auto                                         48 mos.         6.125%                    $23.54
New Auto                                         36 mos.         5.875%                    $30.36
Used Auto (2008,2007,2006)                       48 mos.         6.625%                    $23.77
Used Auto (2005,2004,2003)                       36 mos.         7.625%                    $31.16
Used Auto (2002)                                 36 mos.         7.875%                    $31.27
Used Auto (2001,2000)                            30 mos.         7.875%                    $36.82
Used Auto (1999, 1987)                           24 mos.         7.875%                    $45.16
Used Auto (1997 & older)                         24 mos.         7.875%                    $45.16
Home Improvement (2nd Mortgage)                  84 mos.         6.375%                    $14.79
Home Improvement (2nd Mortgage)                  72 mos.         6.125%                    $16.63
Home Improvement (2nd Mortgage)                  60 mos.         5.875%                    $19.27
Home Improvement (2nd Mortgage)                  48 mos.         5.625%                    $23.31
Home Improvement (2nd Mortgage)                  36 mos.         5.375%                    $30.13
New Boats                                        60 mos.         7.375%                    $19.98
New Boats                                        48 mos.         7.125%                    $24.00
New Boats                                        36 mos.         7.125%                    $30.93
Used Boats                                       48 mos.         8.375%                    $24.58
Used Boats                                       36 mos.         8.375%                    $31.50
New Cycles                                       60 mos.         7.375%                    $19.98
New Cycles                                       48 mos.         7.125%                    $24.00
New Cycles                                       36 mos.         7.125%                    $30.93
Used Cycles                                      36 mos.         8.375%                    $30.93
New RV’s                                         60 mos.         7.375%                    $19.98
New RV’s                                         48 mos.         7.375%                    $24.12
New RV’s                                         36 mos.         7.375%                    $31.04
Used RV’s                                        36 mos.         8.375%                    $31.50
Personal Unsecured $1,000-$2,499                 24 mos.         15.00%                    $48.49
Personal Unsecured $2,500+                       24 mos.         12.00%                    $47.08
20% down payment required on new autos, boats, cycles and RV's
25% down payment required on used autos, boats, cycles and RV's
Home Improvement loans are based on a maximum of 80% of value less existing liens.

*Rates quoted include a discount of .25% for automatic payment.

See Mortgage Rates on next page
                                            Mortgage Rates
                             Rates Accurate as of December 15, 2009
                             Changes are made to the rates here as they occur.

       Loan Type               Interest       Annual         Commitment           Monthly      Minimum
 (30 Year Amortization)          Rate        Percentage      Fee (%Loan           Pmts. On      Down
                                                Rate          Balance)           $50M Loan     Payment
                                                                                     (2)
3 Yr. ARM (1)(3)               4.875%          5.000%             1%               $264.60       10%
                               5.125%          5.162%             0%               $272.24       10%
5 Yr. ARM (1)(3)               5.250%          5.378%             1%               $276.10       10%
                               5.500%          5.538%             0%               $283.89       10%
7 Yr. ARM (1)(3)               5.750%          5.882%             1%               $291.79       10%
                               6.000%          6.039%             0%               $299.78       10%
3/3 Yr. Arm (1)(4)             5.000%          5.126%             1%               $268.41       10%
                               5.250%          5.287%             0%               $276.10       10%

CONVENTIONAL
SUBJECT TO CREDIT SCORES, LTV, AND LOAN TYPE
ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE

                                 Interest        Annual          Points (% of       Monthly      Minimum
   30 Yr. Amortization             Rate         Percentage          Loan            Pmts. On      Down
 (subject to credit score)                         Rate           Balance)         $50m Loan     Payment
$50,001-$417,000                 5.125%          5.297%              1%              $272.25       5%
$25,000-$50,000                  5.375%          5.636%              1%           $139.99(25m)     5%
   15 Yr. Amortization
$50,001-$417,000                 4.500%           4.790%               1%           $382.50         5%
$25,000-$50,000                  4.750%           5.185%               1%         $194.46(25m)      5%

FHA
                                 Interest        Annual          Points (% of       Monthly      Minimum
                                   Rate         Percentage          Loan            Pmts. On      Down
  30 Yr. Amortization                              Rate           Balance)         $50m Loan     Payment
Maximum Loan $271,050            6.000%          6.761%              1%              $303.18      3.5%

VA
                                 Interest        Annual          Points (% of       Monthly      Minimum
                                   Rate         Percentage          Loan            Pmts. On      Down
  30 Yr. Amortization                              Rate           Balance)         $50m Loan     Payment
Maximum Loan $417,000            6.000%          6.385%              1%              $306.22       0%

(1) Based on automatic payment deduction from TRB&T account.
(2) Monthly payments reflect 20% down payment. Private Mortgage Insurance (PMI) required on loans
with less than 20% down. PMI, when required, increases APR and monthly payment shown above.
(3) Adjusts annually after the initial period (3, 5 & 7 year)
(4) Adjusts every 3 years

				
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