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Auto Loan Rates 05/01/2012
Tier:

New
60 Months

New
72 Months

 Used
2011-2012		 Used
2005 -2010
Used
2004-Older
Tier 1
A+ (780 & Up)
4.45%*
4.45%*
4.45%*
4.45%*
4.45%*
Tier 2 
A (740-779)
4.95%*
4.95%*
4.95%*
4.95%*
4.95%*
Tier 3 
B (700-739)
6.00%*
6.50%*
6.00%*
6.50%*
7.50% *
Tier 4 
C (660-699)
7.00%*
7.50%*
7.00%*
 7.50%*
9.50%*
Tier 5 
D (630-659)
 9.00%*

9.50%

 9.00%* 9.50%* 12.50%*
Tier 6**
E (629 & Below)
13.00%* N/A 13.00%* 13.50%*
14.50%*
Motorcycle / ATV / Boat / Camper / RV Loan Rates 05/01/2012
Tier:

New
60 Months

New
72 Months

Used
2011-2012

Used
2005-2010
Used
2004-Older
Tier 1
A+ (780 & Up)
 5.50.%* 6.00%* 5.50%* 6.50%*
7.00%*
Tier 2 
A  (740-779)
6.00%* 6.50%* 6.00%* 7.00%* 7.50%*
Tier 3 
B (700-739)
7.00%* 7.50%* 7.00%* 8.00%* 9.00% *
Tier 4 
C (660-699)
8.00%* 8.50%* 8.00%* 9.00%*
12.00%*
Tier 5 
D (630-659)
 10.00%* 10.50% 10.00%* 11.50%* 14.00%*
Tier 6**
E (629 & Below)
14.00%* N/A 14.00%* 15.00%*
16.00%*
New - Up to 72 Months
2008-2012 - Up to 60 Months
2005-2007 - Up to 48 Months
2004 & Older - 36 Months
WILL LOAN 100% OF N.A.D.A. RETAIL VALUE
WILL LOAN MSRP ON NEW VEHICLES
 **maximum advance NADA Clean Trade-in value**
(no add for vehicle options)
Unsecured Loan Rates 05/01/2012
Tier:

Line Of Credit

Signature Loan

Tier 1 A+ (780 & Up)
 8.00%*
 9.00%*
Tier 2 A (740-779)
 8.50%*
 9.50%*
Tier 3 B (700-739)
 9.50%*
 12.00%*
Tier 4 C (660-699)
 10.50%*
 14.00%*
Tier 5 D (630-659)
 N/A
 15.00%*
Tier 6 E (629 & Below)
 N/A
 18.00%*
Full Share Loan - 3.00% over current rate.
CD Loans - 3.00% over current rate.
Home Equity Loan - 5.00%.

*APR= Annual Percentage Rate

All Loan Rates are based on credit worthiness. All rates subject to change without notice. Contact Missouri Baptist Credit Union for further information concerning the terms applicable to the advertised Loan Types.