Interest begins to accrue no later than the business day that we receive credit for the deposit of non-cash items such as checks. If an account is closed prior to interest payment date, no interest will be paid.

NEW AUTO LOAN RATES
On new auto, loans 24-60 months, we require a 10% downpayment.
Auto Loans	Annual Percentage Rate	Payment Schedule
24 months	4.50%	24 monthly payments of $44.66 per $1,000 borrowed
36 months	4.95%	36 monthly payments of $30.88 per $1,000 borrowed
48 months	5.25%	48 monthly payments of $24.06 per $1,000 borrowed
60 months	5.99%	60 monthly payments of $20.16 per $1,000 borrowed
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2005-2006 USED AUTO LOAN RATES
We require a 20% downpayment for all terms.
Auto Loans	Annual Percentage Rate	Payment Schedule
24 months	5.50%	24 monthly payments of $44.88 per $1,000 borrowed
36 months	5.75%	36 monthly payments of $31.11 per $1,000 borrowed
48 months	5.95%	48 monthly payments of $24.30 per $1,000 borrowed
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