Loans

Vehicle

Rates effective as of January 1, 2018

Loan Type APR* as low as Maximum Term Maximum Loan Amount Loan Information
New Vehicle 2.24%** 24 Months $60,000 100% of purchase price including tax, license, and applicable insurance
2.24%** 36 Months $60,000
2.24%** 48 Months $60,000
2.24%** Up to 66 Months $60,000
3.24%** 72 Months $60,000
4.24%** 84 Months $60,000 Minimum loan amount for 84 month term is $25,000
Used Vehicle up to 6 Model Years Old 3.24%** Up to 72 Months $35,000 100% current retail “Blue Book” and applicable insurance
7-12 Model Years Old 7.99%** 60 Months $35,000

 

Personal

Loan Type APR* as low as Maximum Term Maximum Loan Amount Loan Information
Personal Line of Credit
(Signature LOC)
16.90% Revolving $10,000 Based on monthly income
Personal (Signature)  10.75%** 12 Months 80% of monthly income
 12.25%** 24 Months
 13.75%** 36 Months
 Share Secured 4.02% Variable (A) 48 Months 100% of secured share account balance Rate based upon highest Regular Share Rate plus 4.00%
Rapid Cash Assistance 28.00% 9 Months $750 No credit report required.  $20 application fee.  Must meet eligibility requirements

 

Credit Cards

Loan Type APR* as low as Maximum Term Maximum Loan Amount
 Visa Gold 9.90% Revolving $20,000
Visa Classic 14.90% Revolving  $7,500
Visa Share Secured 16.90% Revolving 100% of secured share account balance

 

Real Estate

Loan Type APR* as low as Maximum Term Maximum Loan Amount Loan Information
 Second Mortgage
(owner occupied)
6.50% 180 Months $150,000  80% of appraised value less first mortgage balance. Minimum loan amount is $10,000
 Second Mortgage
(non-owner occupied
 7.50% 180 Months $50,000  75% of appraised value less first mortgage balance. Minimum loan amount is $10,000
 Home Equity Line of Credit Variable (B) 120 Month Draw Period $150,000  80% of appraised value less first mortgage balance. Minimum loan amount is $10,000

 

Recreational Vehicles

Loan Type APR* as low as Maximum Term Maximum Loan Amount Loan Information
 Motor Home (New) 8.74%** 96 Months $65,000  80% of total purchase price, including tax and license
 Motor Home (Used) 9.74%** 84 Months $50,000  80% of current retail “Blue Book” and applicable insurance
 Camper/Trailer (New) 8.74%** 60 Months $20,000  80% of total purchase price, including tax and license
Camper/Trailer (Used) 9.74%** 60 Months $20,000 80% of current wholesale “Blue Book” or appraisal including tax and license
Boat (New) 8.74%** 84 Months $35,000 80% of total purchase price, including tax and license
Boat (Used) 9.74%** 72 Months $25,000 80% of current wholesale “Blue Book” or appraisal including tax and license

*APR = Annual Percentage Rate

**Annual Percentage Rates displayed are for level 1 credit scores and include a discount of .25% for online application or automatic payments.

Rates and terms offered are subject to changes at any time.

(A) Shared secured Loan variable rate may change at any time.
(B) The index is based on the Wall Street Journal (WSJ) Prime rate minus 0.25%.  The minimum rate shall not be less than 5.00% APR, the maximum rate shall not exceed 18.00% APR.  Prime rate as of 12/14/17 = 4.50%

Equal Housing Opp