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  Effective: 11/30/18
Type Loan Amount

Maximum Term Available

Annual Percentage Rate (APR)              
Personal   60 months 12.75%
Share Secured  
84 months pledged rate + 4.00%
Share Secured  $20,000 and over 120 months pledged rate + 4.50%
New Auto**
includes demos & refinances of new auto loans from other institutions

60 months

 3.99%  *100%financing 

$18,000 and over 72 months

4.49% *100%financing

Used Auto**
(up to 6 model years old)

60 months 4.99% *100%financing
$18,000 and over  72 months  4.99% *100%financing  
Older Used Vehicle**
(7-25 years old) 

60 months

6.49%  *100% financing

RV/Mobile Home (100% financing*)
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
**Refinance of auto loan from another institution-Member pays DMV Registration Fee (to record lien)

***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 (4.00%APR) - 84 monthly payments of $13.67 per $1,000 borrowed
Share Secured Loan (4.50%APR) - 120 monthly payments of $10.37 per $1,000 borrowed          
New Auto Loan (3.99%APR) - 60 monthly payments of $18.41 per $1,000 borrowed
New Auto Loan (4.49%APR) - 72 monthly payments of $15.87 per $1,000 borrowed
Used Auto Loan (4.99%APR) - 60 monthly payments of $18.87 per $1,000 borrowed
Used Auto Loan (4.99%APR) - 72 monthly payments of $16.10 per $1,000 borrowed
Older Used Vehicle Loan (6.49%APR) - 60 monthly payments of $19.56 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.)

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