Personal Loan Rates
| Personal Loans & Lines of Credit | Payment Terms | Annual Percentage Rate | Estimated Payment per $1,000 Borrowed |
| Line of Credit | 2% of balance | 12.50% | $22.50 |
| Overdraft Line of Credit | $65.00/month | 17.75% | $65.00 |
| Personal Loans | 36 mo. | 9.00% | $32.03 |
| Personal Loans | 48 mo. | 9.25% | $25.24 |
| Personal Loans | 60 mo. | 9.50% | $21.25 |
| Personal Loans | 72 mo. (Min $15K) |
9.75% | $18.65 |
| Savings/Certificate Loans | APR* |
| Share Secured (3-60 Month Term) | Share Rate + 2.00% |
| Certificate Secured^ | Certificate Rate + 3.00% |
^ Certificate secured loan rates are 3% above the dividend rate paid on the certificate. The maximum term on a certificate secured loan must be such that the final payment does not exceed the maturity date for the certificate. There is a maximum of 1 loan per certificate and 3 certificate loans per member.
Collection Costs: You agree to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees.
Filing Fees: If you give a security interest in certain types of property, we may charge you a filing fee to protect the property. If so, the amount of the fee will be disclosed to you at the time you obtain an advance.
Late Charges: If a payment is received more than 10 days after its due date, a late fee, equal to the greater of $25.00 or 20% of the interest due, will be assessed.
