Loan Rates
Rates Effective as of May 25, 2010 and are subject to change without notice.
Mortgage Rates
Contact one of our mortgage consultants for the perfect loan product that fits your needs.
Construction Loans
Contact one of our mortgage consultants for the perfect loan product that fits your needs.
AUTO LOANS
| Model Year | Term | Credit Score 700+ | Sample Payment | Credit Score 670 - 699 | Sample Payment | Credit Score 650-669 | Sample Payment |
|---|---|---|---|---|---|---|---|
| 2010 & 2009 | 66 Mo MAX | 5.45% | $263.55 | 8.20% | $283.12 | 9.45% | $292.30 |
| 2008 & 2007 | 66 Mo | 5.45% | $263.55 | 8.20% | $283.12 | 9.95% | $296.02 |
| 2006 & Older | 48 Mo | 5.45% | $348.51 | 8.70% | $371.14 | 10.45% | $383.69 |
Calculate your payment
*Sample payment based on $15,000 at the maximum term in each tier. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of loan.
Carthage Savings and Loan Association's Loan Rates are Current as of April 5, 2010 and are subject to change without notice.
Home Improvement
| Term in Years | Fixed Rate | Sample Payment* |
|---|---|---|
| 5 | 7.90% Secured | 303.43 |
| 5 | 9.90% Unsecured | 317.97 |
Calculate your payment
*Sample payment based upon $15,000 dollar loan and the term in each tier. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, loan to value of home and terms of the loan.
Carthage Savings and Loan Association's Loan Rates are Current as of April 5, 2010 and are subject to change without notice.
Home Equity Line of Credit
| Credit Line | Variable Rate* |
|---|---|
| $7,500 - $100,000 | Prime (Currently 3.25%) |
Contact a Loan Representative for more information
*Annual Percentage Rate
Carthage Savings and Loan Association's rates are Current as of April 5, 2010 and are subject to change without notice. Loan page updates are processed as soon as possible after any loan rate change.
- No Closing Costs as long as line remains open for 60 months. If loan is paid off within 5 yrs or less, member reimburses closing costs incurred by Carthage Savings and Loan plus any additional legal fees to satisfy legal requirements. ($400-$1,500)
- Rate is adjustable and subject to change monthly. Rate based on Wall Street Journal Prime Rate.
- Rates and terms are determined by overall credit history, loan-to-value and type of property.
- Wall Street Journal Prime Rate currently is 3.25%. Last change date was 12/17/2008.
- Maximum Rate is 13.25%
- 5 Year Draw period and repayment period of up to 240 months (depending on balance due at the end of draw)
- 1-4 family, owner occupied residence
- Minimum monthly payment during draw is $100.00.
Home Equity Loans
| Term in Years | Fixed Rate | Sample Payment* |
|---|---|---|
| 1-5 | 5.75% | $960.84 |
| 6-10 | 5.75% | $548.85 |
| 11-15 | 5.75% | $415.21 |
Calculate your payment
*Sample payment based upon $50,000 dollar loan and the longest term in each tier. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, loan to value of home and terms of the loan.
Carthage Savings and Loan's Loan Rates are Current as of September 25, 2009 and are subject to change without notice. This page will be updated as soon as possible after any loan rate change.
Motorcycles, Snowmobiles, Jet Skies
| Amount | Fixed Rate | Maximum Term | Sample Payment | |
|---|---|---|---|---|
| New: $3,000 & Over | 8.50% | 5 Years | $61.55 | Sample Payment based on $3,000 Loan |
| Used: $3,000 & Over | 9.50% | 3 Years | $96.10 | Sample Payment based on $3,000 |
| New/Used Under $3,000 | 13.90% | 3 Years | $85.32 | Sample Payment based on $2,500 |
Calculate your payment
The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of the loan.
Carthage Savings and Loan's Loan Rates are Current as of April 5, 2010 and are subject to change without notice. This page will be updated as soon as possible after any loan rate change.
Boats, Travel Trailers/RV's (Self-Contained Motor Homes)
| Amount | 740 Plus Credit Score | 700-739 Credit Score | 680-699 Credit Score | 679 or Less Credit Score |
|---|---|---|---|---|
| New: $10,000 & Over Maximum Term: 10 Yrs | 6.50% Sample Payment: $113.55 Based on $10,000/10 yrs | 7.00% Sample Payment: $116.11 Based on $10,000/10 yrs | 7.50% Sample Payment: $118.70 Based on $10,000/10 yrs | 8.00% Sample Payment: $121.33 Based on $10,000/10 yrs |
| New: Under $10,000 Maximum Term: 5 Yrs | 7.00% Sample Payment: $99.01 Based on $5,000/5 yrs | 7.50% Sample Payment: $100.19 Based on $5,000/5 yrs | 8.00% Sample Payment: $101.38 Based pm $5,000/5 yrs | 8.50% Sample Payment: $102.58 Based on $5,000/5 yrs |
| Used: $10,000 & Over Maximum Term: 10 Yrs | 7.50% Sample Payment: $118.70 Based on $10,000/10 yrs | 8.00% Sample Payment: $121.33 Based on $10,000/10 yrs | 8.50% Sample Payment: $123.99 Based on $10,000/10 yrs | 9.00% Sample Payment: $126.68 Based on $10,000/10 yrs |
| Used: Under$10,000 Maximum Term: 5 Yrs | 8.00% Sample Payment: $101.38 Based on $5,000/5 yrs | 8.50% Sample Payment: $102.58 Based on $5,000/5 yrs | 9.00% Sample Payment: $103.79 Based on $5,000/5 yrs | 9.50% Sample Payment: $105.01 Based on $5,000/5 yrs |
Calculate your payment
The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of the loan.
Carthage Savings and Loan's Loan Rates are Current as of April 5, 2010 and are subject to change without notice. This page will be updated as soon as possible after any loan rate change.
Mobile Homes
| Single Wide | Maximum Term | Sample Payment | |
|---|---|---|---|
| Fixed Rate | 12.25% | 10 Years | $724.60 |
Calculate your payment
*Sample payment based upon $50,000 dollar loan and the longest term in each tier. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, loan to value of home and terms of the loan.
Carthage Savings and Loan's Loan Rates are Current as of September 25, 2009 and are subject to change without notice. This page will be updated as soon as possible after any loan rate change
Adjustable rates for Single Wide Mobile Homes are based on Cost of Funds Index and are subject to change during the term of the loan.
Personal Loans
| Fixed Rate | Maximum Term | Sample Payment | ||
|---|---|---|---|---|
| Secured | 12% | 5 Years | $102.58 | Payment based on $5,000 Loan |
| Unsecured (Under $2,500) | 17% | 5 Years | $189.20 | Payment based on$2,500 Loan |
| Unsecured (Over $2,500) | 14.25% | 5 Years | $103.79 | Payment based on $5,000 Loan |
Calculate your payment
The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of loan.
Carthage Savings and Loan's Loan Rates are Current as of September 25, 2009 and are subject to change without notice. This page will be updated as soon as possible after any loan rate change.
Deposit Secured Loans
| Amount | Fixed Rate | Maximum Term |
|---|---|---|
| Up to Amount on Deposit | 2% + Current Rate Earned | None |
Calculate your payment
The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of the loan.
Carthage Savings and Loan's Loan Rates are Current as of April 5, 2010 and are subject to change without notice. This page will be updated as soon as possible after any loan rate change.
