Consumer Loans

  "Preferred" Consumer Loan Rates
&  Estimated Payments

Indicated rates are available to qualified members.
Other rates may apply based on credit profile.
Effective Date:
April 21, 2008

Vehicles
Type Autopay
Rate1		 Basic
Rate		 Payment/$1,000 Maximum
Terms2		 Advance Policy3 APR4(w/autopay)
New 6.49% 6.74% $14.85 84 Months 130% MSRP 6.49%
Used 6.49% 6.74% $14.85 84 Months 130% RKBB 6.49%
New 5.74% 5.99% $19.22 60 Months 130% MSRP 5.74%
Used 5.74% 5.99% $19.22 60 Months 130% RKBB 5.74%
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Motorcycles/Personal Watercraft
Type Autopay
Rate1		 Basic
Rate		 Payment/$1,000
(for 60 month loan)		 Maximum
Terms2		 Advance Policy3 APR4(w/autopay)
New 8.99% 9.24% $20.76 84 Months 130% MSRP 8.99%
Used 8.99% 9.24% $20.76 84 Months 130% WHSL 8.99%
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Boats/Recreational Vehicles/Motor Homes/Travel Trailers
Type Autopay
Rate1		 Basic
Rate 		Payment/$1,000
(for 120 month loan)		 Maximum
Terms		 Advance Policy3 APR4 (w/autopay)>
New 7.75% 8.00% $12.01 240 Months 130% MSRP 7.75%
Used 7.75% 8.00% $12.01 240 Months 130% WHSL 7.75%
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Signature Loans/Personal Lines of Credit (Overdraft Protection)
Type Basic Rate Payment/$1,000
(for 60 month loan)		 Maximum
Terms 		Advance Policy
($1,000 Min) 		APR4
Signature Loans 11.49% $22.00 60 Months 100% 11.49%
Credit Line/
Overdraft		 11.49% $22.00 n/a As Needed 11.49%
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Online Calculators

Share/Certificate Secured Loans
Type Basic Rate Advance Policy
Share Secured Loan 3.50% + Current Share Rate $500 Minimum
Certificate Secured Loan 3.50% + Certificate Rate $500 Minimum
Certificate Secured Line of Credit 3.50% + Certificate Rate n / a
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Tax Saver Loan
Type Basic
Rate		 Points Payment/$1,000 Application
Fee		 Advance Policy APR4
7-Year Fixed 11.50% 0% $17.40 $100 $25,000 Max

11.830%
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Online Calculators

  1. Autopay must be from a Southland Checking or Money Market Account to receive the deduction (.25%).
  2. Vehicles valued over $25,000 financed up to 84 months(on approved credit); otherwise, maximum term is 72 months.
  3. MSRP=Manufacturer's Suggested Retail Price; RKBB=Retail Kelley Blue Book; WHSL=Wholesale Market Value
  4. All Annual Percentage Rates (APR) shown are calculated at a $10,000 loan amount. HELOC's and HEL's are calculated on $100,000 loan amount.