Mortgage and Consumer Loan Rates

Rates subject to change*
Last updated 3/11/10

APR = Annual Percentage Rate

Autos | Boat / Cycle / RV | Consumer Loans | First Mortgages | HELOC | Home Improvement | Unimproved Land | VISA

*Rates are subject to change. Actual rates will be determined once a completed loan application has been received and reviewed. Rates can be higher or lower based on credit score, loan-to-value and loan purpose. For a loan calculator, click here.

First Mortgage Rates*

	Rate	Points
5 Year Fixed	4.490	0
15 Year Fixed	4.500	0
15 Year Fixed	4.375	1
20 Year Fixed	4.875	0
20 Year Fixed	4.750	1
30 Year Fixed	5.125	0
30 Year Fixed	5.000	1
1 Year Adjustable Rate Mortgage	3.125	0
3 Year Adjustable Rate Mortgage	4.125	0
5 Year Adjustable Rate Mortgage	5.125	0
Single Wide Mobile Homes on Real Estate	Call for Rates	0
Construction Loans 80% LTV	5.750	0
Business Mortgage Non-Owner Occupied	Call for Rates	0
* Rates quoted are for Owner Occupied, Single Family residence, purchase transactions with 5% down payment, credit score >740. Adjustments for Credit Score, Loan to Value, Loan purpose, Property type and Secondary Financing may apply. * 6.067% APR for 80% Loan to Value, Loan amount of $100,000, 15 YR term, rate of 5.49%. Rates and Terms are subject to change without notice and are not guaranteed until locked with a loan officer after a complete application is received. Hoosier Hills Credit Union is an equal Housing Lender and Member of NCUA, National Credit Union Association.

Home Improvement Rates*

	Rate	Points
Home Improvement 80% LTV (up to 60 mos.)	6.250	0
Home Improvement 80% LTV (61 to 84 mos.)	6.250	0
Home Improvement 80% LTV (85 to 120 mos.)	6.750	0
Home Improvement 80% LTV (121 to 180 mos.)	7.000	0
Home Improvement 90% LTV (up to 60 mos.)	7.550	0
Home Improvement 90% LTV (61 to 84 mos.)	7.700	0
Home Improvement 90% LTV (85 to 120 mos.)	7.750	0
Home Improvement 90% LTV (121 to 180 mos.)	7.800	0
*Add 1% if home is manufactured

Variable Home Equity Line of Credit (HELOC) Rates*

	Rate	Points
Home Equity - up to 80% of value (Prime+0)	3.250	0
Home Equity - 80.01% to 90% of value (Prime+1)	4.250	0
*Add 1% if home is manufactured

Unimproved Land - Loans up to 80% of Value

	Rate	Points
5 Year Fixed Rate	7.500	0
7 Year Fixed Rate	8.000	0
10 Year Fixed Rate	9.000	0
12 Year Fixed Rate	9.875	0

Auto and Auto Equity*

* Rates May Vary Based On Credit Score	2007 & Newer APR	2006 APR	2005 APR	2004 APR	2003 APR	2002 & Older APR
36 months	4.15	5.15	5.25	5.40	5.80	5.90
48 months	4.40	5.30	5.40	5.55	5.95	6.05
60 months	4.65	5.65	5.75	5.90	6.30	6.40
66 months	4.65	5.65	5.75
72 months	5.15	5.75	Add 1.5% for vehicles with 100k + miles (Maximum of 48 months)
84 months	5.65

Boat / Cycle / RV*

* Rates May Vary Based On Credit Score	2007 & Newer APR	2006 APR	2005 APR	2004 APR	2003 APR	2002 & Older APR
36 months	6.00	6.50	6.60	7.50	8.00	8.35
48 months	6.50	7.00	7.10	7.70	7.05	8.50
60 months	6.70	7.40	7.50	7.90	8.25	8.70
72 months	7.55	8.40	8.50	8.95	10.50	11.00
84 months	8.25	9.40	9.50	9.95	11.75	12.00
120 months	9.30	10.55	10.65	11.10	12.65	13.00

Consumer Loan Rates*

Loan Type	APR
Signature*	12.90
New Mobile Home*	13.50
Used Mobile Home*	13.75
Share Secured	4.50
CD Secured	2% + CD rate
Line of Credit	14.90
* The maximum APR that can be imposed is 21%.

VISA Credit Card Rates
with no annual fee

Card Type	APR	Balance Limit
VISA Classic	15.90	up to $5,000
VISA Gold	12.90	$5,000 - $10,000
VISA Platinum	9.90	$10,000 - $20,000

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