Loan Rates
Rates Effective as of November 3, 2011 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 740+ | Sample Payment | Credit Score 700 - 739 | Sample Payment | Credit Score 699 or less | Sample Payment |
|---|---|---|---|---|---|---|---|
| 2011 & 2010 | 66 Mo MAX | 3.95% | $253.23 | 4.50% | $256.98 | 9.45% | $292.30 |
| 2009 & 2008 | 66 Mo | 3.95% | $253.23 | 4.50% | $256.98 | 9.95% | $296.02 |
| 2007 & Older | 48 Mo | 3.95% | $338.35 | 4.50% | $342.05 | 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 July 2, 2011 and are subject to change without notice.
Motorcycles
| MODEL YEAR | CREDIT SCORES | Sample Payment | |||||
|---|---|---|---|---|---|---|---|
| Max Term | 740 Plus | Sample Payment | 700-739 | Sample Payment | 699 or Less | ||
| 2011 and 2010 | 66 Mo | 5.95% | $142.42 | 6.95% | $146.20 | 9.45% | $155.89 |
| 2009 and 2008 | 66 Mo | 5.95% | $142.42 | 6.95% | $146.20 | 9.95% | $157.88 |
| 2007 and Older | 48 Mo | 5.95% | 187.70 | 6.95% | $191.38 | 10.45% | $204.63 |
Calculate your payment
*Sample payment based on $8,000 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 July 2, 2011 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 July 2, 2011 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 July 2, 2011 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 7/2/2011.
- 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 July 2, 2011 and are subject to change without notice. This page will be updated as soon as possible after any loan rate change.
ATVs, Snowmobiles, Lawn Tractors, Jet Skies, Utility Trailers
| 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 July 2, 2011 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 | 699 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 | 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 | 8.50% Sample Payment: $102.58 Based pm $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 | 9.00% Sample Payment: $129.40 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 | 9.50% Sample Payment: $103.79 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 July 2, 2011 and are subject to change without notice. This page will be updated as soon as possible after any loan rate change.
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 July 2, 2011 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 July 2, 2011 and are subject to change without notice. This page will be updated as soon as possible after any loan rate change.
