Rates

Loan Rates

Rates Effective 5/19/2013

2010, 2011, 2012 & 2013 Autos, Pickups & Motorcycles

New Autos, Pickups & Motorcycles

Term	Less Than 80% Retail Fixed Rate	Greater Than 80% Retail Fixed Rate
36-60 Months- As low as*	2.75%	3.00%
66-72 Months- As low as*	3.25%	3.25%

A loan amount of $16,000 for a new auto with a rate of 4.30% with a maximum term of 66 months will result in a payment of $272.65 and an APR** of 4.323%

Used Autos, Pickups, & Motorcycles

2007, 2008 & 2009 Model Years- As low as*

Term	Less Than 80% Retail Fixed Rate	Greater Than 80% Retail Fixed Rate
24-36 Months- As low as*	3.04%	3.29%
48 Months- As low as*	3.10%	3.40%
60 Months - As low as*	3.35%	3.84%
66 Months- As low as*	3.60%	4.24%

2005 & 2006 Model Years- As low as*

Term	Less Than 80% Retail Fixed Rate	Greater Than 80% Retail Fixed Rate
36 Months- As low as*	4.50%	4.60%
48 Months- As low as*	4.65%	4.89%
60 Months - As low as*	4.80%	4.99%

2004 & Older Model Years- As low as*

Term	Less Than 80% Retail Fixed Rate	Greater Than 80% Retail Fixed Rate
36 Months- As low as*	6.25%	6.50%
48 Months- As low as*	6.80%	7.15%

A loan amount of $16,000 for a used auto with a rate of 6.50% and a maximum term of 36 Months will result in a payment of $490.37 and an APR** of 6.540%

Snowmobilies, ATVs, Dirt Bikes, Etc

New

Term	Less Than 80% Retail Fixed Rate	Greater Than 80% Retail Fixed Rate
36 Months	7.00%	7.00%

Used

Term	Less Than 80% Retail Fixed Rate	Greater Than 80% Retail Fixed Rate
36 Months- '05 & Newer	8.50%	8.50%

A loan amount of $5,000 for a snowmobile with a rate of 7.25% with a maximum term of 36 months will result in a payment of $155.26 and an APR** of 7.382%

*Rates subject to credit rating. Contact a loan officer for more details.
**APR = Annual Percentage Rate
***FSB uses N.A.D.A. as a guide to determine value. On model years 2002 and newer, we may finance up to 120% of retail. All rates subject to standard underwriting conditions and change.