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Fixed Home Equity Loans
APR	Term	Payment Amount per $1000 Borrowed
6.00%	5 years	19.33
6.25%	10 years	11.23
6.50%	15 years	8.71
6.75%	20 years	7.760
Maximum of $424,100.00 Payments do not include taxes and insurance premiums

Variable Home Equity Loans
Name	APR	Term	Payment Amount per $1000 Borrowed
Variable 7/1 year ARM	Prime - 1.00%	up to 20 years	7.60
First Place Variable 7/1 year ARM	Prime - 1.00%	up to 30 Years	6.49
Maximum of $424,100.00 Payments do not include taxes and insurance premiums
Variable Rate is based on The Wall Street Journal Prime Rate as of the first business day of the current billing cycle. Prime Rate is currently 7.75% APR. Minimum APR 3.00%, Maximum APR 18.00% Property and/or flood insurance required.

Personal Loans
APR	Term	Payment Amount per $1000 Borrowed
8.75%	up to 36 months	31.68
9.25%	up to 48 months	25.00
10.75%	up to 60 months	21.62
12.50%	up to 72 months	19.81
13.25%	up to 84 months	18.33
15.50%	up to 120 months	16.44
Maximum of $20,000.00
Vacation Loan
5.00%	12 Months	85.60
Maximum of $5,000.00

Frozen Share
Effective Date: Thursday, December 26th, 2024
APR	Term	Payment Amount per $1000 Borrowed
2.00%	up to 60 months	17.53
3.50%	up to 120 months	9.89
4.50%	up to 240 months	6.33

New Auto
APR	Term	Payment Amount per $1000 Borrowed
5.99%	up to 2 years	44.31
5.99%	up to 3 years	30.42
5.99%	up to 4 years	23.48
5.99%	up to 5 years	19.33
6.25%	up to 6 years	16.69
New auto must have 2500 or less miles and never been titled
6.25%**	up to 7 years	14.73
**New auto must have 2500 or less miles and valued at $40,000 or more

Used Auto
APR	Term	Payment Amount per $1000 Borrowed
5.99%	up to 2 years	44.31
5.99%	up to 3 years	30.42
5.99%	up to 4 years	23.48
5.99%	up to 5 years	19.33
6.25%**	up to 6 years	16.69
6.25%***	up to 7 years	14.73
Used auto must be 5 years old or newer
** Vehicle must have a NADA retail value of at least $20,000.00
***Vehicle must have a NADA retail value of at least $40,000.00

Older Used Auto
APR	Term	Payment Amount per $1000 Borrowed
6.40%	up to 4 years	23.67
6.65**	up to 5 years	19.64
An older used auto is 6 to 8 years old ** Vehicle must have a NADA retail value of at least $20,000.00 and can be 6 to 10 years old

New Motorcycle
Rate	Term	Payment Amount per $1000 Borrowed
7.99%	up to 4 years	24.41
7.99%	up to 5 years	20.27
8.25%	up to 6 years	17.65
New motorcycle must have 2500 or less miles and never been titled

Used Motorcycle
Rate	Term	Payment Amount per $1000 Borrowed
7.99%	up to 2 years	45.22
7.99%	up to 3 years	31.33
7.99%	up to 4 years	24.41
7.99%	up to 5 years	20.27
8.25**	up to 6 years	17.65
Used motorcycle must be 5 years old or newer ** Vehicle must have a NADA retail value of at least $20,000.00

Older Used Motorcycle
Rate	Term	Payment Amount per $1000 Borrowed
8.40%	up to 4 years	24.60
8.65**	up to 5 years	20.59
Older Used motorcycle is 6 to 8 years old ** Vehicle must have a NADA retail value of at least $20,000.00 and can be 6 to 10 years old

RV Loans
APR	Term	Payment Amount per $1000 Borrowed
New RVs require 5% down payment Used RVs require 20% down based on NADA vaule
6.50%	4 years	23.71
7.00%	5 years	19.80
7.25%	6 years	17.17
7.75%	10 years	12.00

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