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Loans    
  Loan Types                       

Loans subject to credit approval. Rates Subject to change without any prior notice.    Rates effective as of 11/2014.              

Term APR
  Fully Secured
  You can borrow up to the amount of your savings.  Your savings are frozen as collateral against the loan balance.
  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.
12 Months 7.00% 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. 
24 Months

36 Months

48 Months

60 Months

8.00%APR

9.00%APR

10.00%APR

10.50%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. $250 non-refundable processing fee WAIVED. Allow 30 days processing after receipt of application. 
 Up to 5 Years

 

 Up to 10 Years 

 

 Up to 15 Years 
  
3.50%APR


3.99%APR


 

4.50%APR
  New Car Loan
  No shares pledged.  Bring in Dealer write-up.  Check is made payable to the dealer.  We finance 90% of purchase price up to $45,000.   We offer pre-approvals.

Special down payment waived

36 Months with No Down Payment

 

48 Months with No Down Payment

 

60 Months with No Down Payment
1.99%APR



2.49%APR



2.99%APR
  Used Car Loan
 

No shares pledged.  Bring in Dealer write-up.  Check is made payable to the dealer.  We finance 90% of purchase price up to $20,000.  Car cannot be older than 3 years. We offer pre-approvals.

Special down payment waived.

36 Months
No Down Payment

 

48 Months
No Down Payment

 

60 Months
No Down Payment

 

2.99%APR



3.25%APR



3.99%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.
36, 48, or 60 Months for Up to $5000 10.5% APR

thru

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.
36, 48, or 60 Months for  From $5000 to $10000

 

11.5% APR

thru

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.
Up to 36 months 9.0% 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.
Up to 60 months

 

15.00% 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.
  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.
Up to 12 months 18.00% APR

Loans subject to credit approval. Rates Subject to change without any prior notice.  Check with this office for Specials.   Rates effective as of 11/2014.

** Subject to change.

   

Savings *Annual Percentage Yield

   
  Savings Type
As of 06/30/2012
Rate

 

APY*

 

Savings
  $100 Minimum
.15% .15%
  Club Accounts
  $100 Minimum
.15% 

 

.15%

 

  Savings Extra Investment Account
  $2000 Minimum $100,000 Maximum
.35%

 

.35%

VISA Credit Cards

  APR
  Classic Program
   
  12.90% APR
  Gold Program
   
  11.90% APR

Fee Structure

   
  Fee Type                                  As of 10/01/2011
Amount

 

 
  ATM Withdrawal (each - includes w/d, transfer or inquiry)
$1.00  
  Certified Draft Charge
$10.00  
  Dormant Account Fee (no activity within 12 months)
$10.00  
  Copy of Statement / Copy of History
$5.00  
  Early Withdrawal from Club Accounts (Christmas/Vacation)
$25.00  
  Microfilm Copy of Check
$3.00  
  Replace ATM Card
$5.00  
  Replace Debit Card
$10.00  
  Return ACH or Share Draft  (Insufficient funds)
$30.00  
  Returned Deposit
$10.00  
  Stop Payments
$25.00  
  Transfer from Savings (overdraft protection)
$3.00  
  Wire Transfer (outgoing)
$15.00  
  International Wire Transfer (outgoing)
$30.00  
  Withdrawal from Extra Savings Account (after one per month)
$10.00  
  Withdrawal from Savings (after third per quarter)
$9.00  
  Visa - late payment fee
$15.00  
  Negative Account Fee each
$20.00