Loans Savings Visa Credit Cards Fee Structure

Effective as of: 01/01/2016
Loans subject to credit approval. Rates Subject to change without any prior notice.
 
Fully Secured
You can borrow up to the amount of your savings. Your savings are frozen as collateral against the loan balance.
TermAnnual Percentage Rate
5.00% APR
 
Holiday / Vacation Loan
You must have excellent credit history. No shares are pledged. Maximum $10,000 minimum $1,000. Maximum repayment period is 12 months. Holiday loans start October 1st and end February 28th.
Vacation loans start March 1st and end September 30th.
TermAnnual Percentage Rate
12 Months7.00% APR
 
Extended Holiday / Vacation Loan
You must have excellent credit history. No shares are pledged. Maximum $10,000 minimum $1,000. Maximum repayment period is 24, 36, 48, or 60 months.
TermAnnual Percentage Rate
24 Months8.00% APR
36 Months9.00% APR
48 Months10.00% APR
60 Months10.50% APR
 
Home Equity Loan
No shares pledged. Minimum $5,000 maximum $150,000. Finance 80% of current appraisal minus current mortgage balance up to $150,000.
TermAnnual Percentage Rate
Up to 5 Years2.99% APR
Up to 10 Years3.50% APR
Up to 15 Years4.00% APR
 
New Car Loan
No shares pledged. Bring in Dealer write-up. Check is made payable to the dealer. We finance 100% of purchase price up to $45,000. We offer pre-approvals.
TermAnnual Percentage Rate
36 Months with No Down Payment1.99% APR
48 Months with No Down Payment2.49% APR
60 Months with No Down Payment2.99% APR
 
Used Car Loan
No shares pledged. Bring in Dealer write-up. Check is made payable to the dealer. We finance 100% of purchase price up to $30,000. Car cannot be older than 5 years. We offer pre-approvals.
TermAnnual Percentage Rate
36 Months No Down Payment2.99% APR
48 Months No Down Payment3.25% APR
60 Months No Down Payment3.99%APR
 
Debt Consolidation Loan
Maximum is $10,000 repayable over a 3, 4, or 5 year period. Bring all bills to be paid with this loan. Checks will be made payable to you and the individual creditors and mailed from this office.
Rates depend on term and amount of loan.
TermAnnual Percentage Rate
36, 48, or 60 Months for Up to $500010.5% APR through 12.5% APR
 
Debt Consolidation Loan
Maximum is $10,000 repayable over a 3, 4, or 5 year period. Bring all bills to be paid with this loan. Checks will be made payable to you and the individual creditors and mailed from this office.
Rates depend on term and amount of loan.
TermAnnual Percentage Rate
36, 48, or 60 Months for From $5000 to $1000011.5% APR through 13.5% APR
 
Computer Loan
No shares pledged. You must bring in write-up for computer you are buying. Check made payable to you and computer store. Maximum is $5,000 for a maximum of 36 months.
TermAnnual Percentage Rate
Up to 36 months9.0% APR
 
Personal Loan
10% of the loan balance has to be pledged in shares as collateral. Maximum is $10,000 with a repayment period of 5 years.
TermAnnual Percentage Rate
Up to 60 months15.00% APR
 
Line of Credit Loan
No shares pledged. Maximum is $10,000. Once approved for this loan you must be eligible to receive advances in the minimal amounts of $200. Must have good credit history.
TermAnnual Percentage Rate
15.00% APR
 
Easy Credit Loan
Limited to 1 loan every 4 months. $1,500 or $1,000 repayable in 4, 6 or 12 months. You must already be on payroll deduction, have $250 or $400 in savings, 24 months of employment, and cannot have any other loan or credit card with us. If you have no credit problems, apply for one of the other loans at a lower interest rate. **Applications will be processed within 5 business days.
TermAnnual Percentage Rate
Up to 12 months18.00% APR
 
Loans subject to credit approval. Rates Subject to change without any prior notice. Check with this office for Specials. ** Subject to change.