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  Effective: 2/1/18
Type Loan Amount

Maximum Term Available

Annual Percentage Rate
Personal   60 months 12.75%
Share Secured  
84 months pledged rate + 3.00%
Share Secured  $20,000 and over 120 months pledged rate + 3.50%
New Auto
includes demos & refinances of new auto loans from other institutions

60 months

 3.49%  *100%financing 

$18,000 and over 72 months

3.49% *100%financing

Used Auto
(up to 6 model years old)

60 months 3.99% *100%financing
$18,000 and over  72 months  3.99% *100%financing  
Older Used Vehicle
(7-25 years old) 

60 months

5.99%  *100% financing

RV/Mobile Home under $40,000 84 months **8.00%
$40,000 & over only 144 months **9.00%
Home Improvement Loan

Up to $25,000
Over $25,000 

72 months
84 months

9.99% 

Tuition Loan (for grammar - high school expenses)
  60 months 10.50%
Debt Consolidation Loan   60 months 11.75%

FOR LOAN SPECIALS - CHECK THE HOME PAGE OR CONTACT US! 
Rates are subject to change at any time without notice.  Restrictions may apply.

*Percentage of financing is based on NADA book value.
**Member pays applicable UCC-1 filing fee to record lien.

Examples of repayment terms
(when first payment is due 30 days after loan date)
 
Personal Loan (12.75%APR) - 60 monthly payments of $22.63 per $1,000 borrowed
Share Secured Loan (3.00%APR) - 84 monthly payments of $13.22 per $1,000 borrowed
Share Secured Loan (3.50%APR) - 120 monthly payments of $9.89 per $1,000 borrowed          
New Auto Loan (3.49%APR) - 60 monthly payments of $18.19 per $1,000 borrowed
New Auto Loan (3.49%APR) - 72 monthly payments of $15.42 per $1,000 borrowed
Used Auto Loan (3.99%APR) - 60 monthly payments of $18.41 per $1,000 borrowed
Used Auto Loan (3.49%APR) - 72 monthly payments of $15.64 per $1,000 borrowed
Older Used Vehicle Loan (5.99%APR) - 60 monthly payments of $19.33 per $1,000 borrowed
RV/Mobile Home Loan (8.00%APR) - 60 monthly payments of $20.28 per $1,000 borrowed
Home Improvement Loan (9.99%APR) - 84 monthly payments of $16.60 per $1,000 borrowed
Tuition Loan (10.50%APR) - 12 monthly payments of $88.15 per $1,000 borrowed
Debt Consolidation Loan (11.75%APR) - 60 monthly payments of $22.12 per $1,000 borrowed

Please use our loan calculator to calculate monthly payments for your individual specifications.

 

Share Par Value - $25.00 (This amount equals one full share - you must have this amount on deposit in a Savings Account with us in order to obtain any other type of account with us or to receive our services.)

Online Banking Agreement