Loan Rates and Terms
Rates effective as of May 10, 2013
	Down Payment	Term/Mos	APR
AUTO/MOTORCYCLE LOANS (*)
*Automobiles require 10% down. Motorcycles require 20% down.
New, Used: 2013, 2012
	*	6-60	2.74%
	*	61-72	2.99%
Used: 2008 -2011
	*	6-60	2.74%
	*	61-72	3.24%
Used: 2006 - 2007 *25% down or 90% of NADA Trade-In Value
	*	6-60	2.74%
	*	61-72	4.24%
For Example: A $10,000 auto loan with 10% down for 60 months at 2.74% APR would have a repayment amount of $178.55 and a finance charge of $713.07
PERSONAL LOANS
With 1st National Deposit Account or With Stock Listed on American, NASDAQ or NYSE Up to 2/3 Value		6-60	Fixed @ 2.49% above savings rate
With Accepted Collateral or Unsecured
Secured		6-60	5.50%
Unsecured		6-36	8.50%
For Example: A $10,000 personal loan for 36 months at 5.50% APR would have a repayment amount of $302.00 and a finance charge of $872.08
FIXED RATE HOME EQUITY LOANS
$100,000.00 Maximum, $4,000.00 Minimum		Up to 60	2.74%
Terms up to & including 120 mo. with 89% LTV		61-120	4.64%
Terms > 10 years with 80% LTV or below		121-180	4.84%
For Example: A $15,000 home equity loan with an LTV of 89% for 60 months at 2.74% APR would have a repayment amount of $267.83 and a finance charge of $1,069.61. Payment does not include amounts for taxes and insurance premiums. Actual payment obligation will be greater.
MARINE, MOTOR HOMES, TRAVEL TRAILERS
New 2013 - 2012, Minimum $10,000 - $25,000
	15%	Up to 120 Months	7.59%
Used 2008 and Newer (Titled Only) $10,000 - $25,000
	15%	Up to 120 Months	8.99%
For Example:A $10,000 marine loan with 15% down for 72 months at 7.59% APR would have a repayment amount of $173.39 and a finance charge of $2,483.72
ATV, SNOWMOBILES, MOTORCYCLES, JETSKIS
New 2013 - 2012 (Minimum $2,500)	20%	6-36	9.95%
For Example: A $10,000 ATV loan with 20% down for 36 months at 9.95% APR would have a repayment amount of $322.52 and a finance charge of $1,610.70
For more information on loans listed above or on additional types of loans, please contact a Loan Officer.
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