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Home > Personal > Consumer Loans > Rates

Consumer Loan Rates

Auto Loan	Effective 8/3/2010

2009-2010

60 months

5.25%

66 months

5.50%

72 months

5.60%

2008

60 months

5.50%

66 months

5.60%

72 months

5.70%

2007

60 months

5.80%

66 months

5.90%

2006

60 months

6.00%

66 months

6.10%

2005

60 months

6.50%

2004

60 months

6.75%

2003 & Older

48 months

7.75%

Notes:	-	APR based upon excellent credit history
	-	1/4% discount for non-real estate installment loans automatically withdrawn from an OSB checking account.
	-	Maximum rate charged is 16.0%
	-	Rates subject to change
	-	APR of 6.0%, 60 monthly payments of $19.33 per $1,000.00 financed
	-	72 month term available for contracts over $15,000 and excellent credit history.
	-	Biweekly payment options available with payroll direct deposit and automatic transfers from OSB checking account

Home Equity	Effective 8/3/2010

Home Equity Line of Credit (Variable Rate)

120 Month Draw

Prime plus 0% adjusted monthly Minimum Interest Rate of 4.50%

Home Equity Loan (Fixed Rate)

60 months

6.50%

120 months

7.00%

180 months

7.25%

Notes:	-	APR based upon excellent credit history
	-	Minimum loan amount equal to $7,500.00
	-	Prime Rate is the highest Wall Street Journal Prime Rate.
	-	Property insurance is required for Home Equity Loan and Home Equity Line of Credit
	-	Maximum rate charged is 16.0%
	-	Rates subject to change
	-	APR of 4.0%, 120 monthly interest payments of $3.29 per $1,000.00 financed (Home Equity Line of Credit)
	-	APR of 4.0%, 180 monthly amortizing payments of $7.40 per $1,000.00 financed (Home Equity Line of Credit)
	-	APR of 7.0%, 60 monthly amortizing payments of $19.80 per $1,000.00 financed (Home Equity Loan)

Personal Loan	Effective 8/3/2010

Personal

60 months

15.90%

Passbook Loan OSB Deposit Account

Interest Only-24 months Amortizing-60 months

Prime adjusted quarterly (4.50% minimum)

Passbook Loan OSB Deposit Account - Fixed Rate

Interest Only-24 months Amortizing-60 months

CD Rate + 2.00% (4.50% minimum)

Securities and Cash Equivalents

Interest Only-24 months Amortizing-60 months

Prime Plus 0.50% adjusted quarterly (4.50% minimum)

Notes:	-	APR based upon excellent credit history
	-	1/4% discount for non-real estate installment loans automatically withdrawn from an OSB checking account.
	-	Maximum rate charged is 16.0%
	-	Rates subject to change
	-	APR of 9.5%, 36 monthly amortizing payments of $32.03 per $1,000.00 financed
	-	APR of 5.0%, 24 monthly interest payments of $4.11 per $1,000.00 financed
	-	APR of 5.0%, 60 monthly amortizing payments of $18.87 per $1,000.00 financed
	-	Biweekly payment options available with payroll direct deposit and automatic transfers from OSB checking account

Recreational Vehicle	Effective 8/3/2010

Motorcycles, Boats, Campers & Motorhomes

2009-2010

60 months

7.25%

120 months

7.50%

2007-2008

60 months

8.50%

2006 & Older

60 months

9.00%

Snowmobiles, ATVs, Jet Skis, Dirtbikes, etc

2008-2010

48 months

9.25%

2007 & Older

36 months

9.75%

Notes:	-	APR based upon excellent credit history
	-	1/4% discount for non-real estate installment loans automatically withdrawn from an OSB checking account.
	-	Maximum rate charged is 16.0%
	-	Rates subject to change
	-	APR of 9.5%, 120 monthly payments of $12.94 per $1,000.00 financed
	-	APR of 8.5%, 60 monthly payments of $20.52 per $1,000.00 financed
	-	Biweekly payment options available with payroll direct deposit and automatic transfers from OSB checking account

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