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Personal / Line of Credit
Rates are effective as of 08/01/2009
All loan rates quoted are Annual Percentage Rates. All rates and terms subject to change without notice.
Repayment terms - An example of a typical repayment schedule would be:
60 monthly payments at 10% APR for $21.25 per $1000.00 borrowed.
Personal Installment Loans
Annual Percentage Rates (APR) - As Low As
Actual APRs may vary and are subject to change based on individual credit.
| Loan Type | Loan Rate As Low As | Term / Comments |
| Unsecured | 9.99% | 12 to 48 Months |
Personal Line of Credit
Annual Percentage Rates (APR) - As Low As
Actual APRs may vary and are subject to change based on individual credit.
| Loan Type | Variable Loan Rate As Low As | Comments |
| Line of Credit (LOC) * | 9.75% | * Repayment Term is 3.0% Outstanding Monthly or $25 whichever is greater. Wall Street Journal Prime Rate* plus a Margin of 6.5% to 11%. *Wall Street Journal Prime Rate as of 12/17/08 is 3.25% |
Household Goods - New Purchase Money Only
Annual Percentage Rates (APR) - As Low As
Actual APRs may vary and are subject to change based on individual credit.
| Term | New Purchase Rate As Low As |
| 36 Months | 9.99% |
Stock Secured
Annual Percentage Rates (APR) - As Low As
Actual APRs may vary and are subject to change based on individual credit.
| Type | Term | Rate As Low As | Remarks |
| Stock Secured | 12 to 60 Months | 7.99% | See remarks for Stock Secured loans (61 to 144 months) below. |
| Stock Secured | 61 to 144 Months | 8.99% | 75% of current value or 75% of 12 month average of 52 week high / low, whichever is less, if the stock is already owned for over 6 months and 50% of the current market value on stock purchased prior to 6 months of the loan inception. Stocks not actively traded on New York Stock Exchange, American, or NASDAQ wll require evaluation and approval by the President or Executive Committee prior to being deemed acceptable security. (Note: Must complete G-3 form in these instances.) |
Savings Secured
Annual Percentage Rates (APR) - As Low As
Actual APRs may vary and are subject to change based on individual credit.
| Term | Type | Variable Loan Rate As Low As | Remarks |
| 6 to 60 Months | Savings Secured | Savings Rate + 3.00% to 6.00% Margin | Up to 100% Loan to Value. Balance in savings must equal or exceed loan balance interest due on term loans. Variable Rate Loan |
The restrictions for Savings Secured Loans are: **** Variable Rate Loan ****
The annual percentage rate on this loan may change based on the Interest rate paid on the Savings account securing this loan (Index), plus a margin of 3% to 6%. The annual percentage rate will change on the 1st day of the month following a change in the index.
Approved Accounts: Regular Savings and CDs
Add 3.00% to 6.00% Savings Rates
Max Term is 60 Months
The minimum loan amount is $500
CD Secured
Annual Percentage Rates (APR) - As Low As
Actual APRs may vary and are subject to change based on individual credit.
| Rate As Low As | Term | Remarks |
| Rate As Low As CD Rate + 3% to 6% Margin | 6 to 60 Months | Up to 100% LTV |
The restrictions for CD Secured Loans are:
Add 3.00% to 6.00% CD Rates and only applies to ViewPoint Bank CD. The maximum loan term cannot exceed the CD term. Single pay loans can not exceed six months with a minimum of 90 days.
Add 3.00% to 6.00%
Max Term is 60 Months
The minimum loan amount is $500