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Loans
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Loans subject to credit approval. Rates Subject
to change without any prior notice.
Rates effective as of 06/2013.
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Term |
APR |
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Fully Secured |
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You can borrow up to the amount of your
savings. Your savings are frozen as
collateral against the loan balance. |
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5.00% APR |
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Holiday /
Vacation Loan |
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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. |
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12 Months |
8.00% APR |
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Extended
Holiday / Vacation Loan |
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You must have excellent credit history.
No shares are pledged. Maximum $10,000
minimum $1,000. Maximum repayment
period is 24 or 36 months. |
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24 Months
36 Months
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9.00%APR
10.00%APR |
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Home Equity
Loan |
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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. |
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Up
to 5 Years
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Up to
10 Years
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Up to
15 Years
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3.99%APR
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4.25%APR
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4.99%APR |
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New Car Loan |
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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 |
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36 Months
with 10% down
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48 Months with
10% down
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60 Months
with 10% down |
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2.99%APR
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3.25%APR
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3.50%APR |
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Used Car Loan |
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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. |
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36 Months
No Down Payment
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48 Months
No Down Payment
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60 Months
No Down Payment
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3.99%APR
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4.25%APR
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4.99%APR
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Debt
Consolidation Loan |
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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. |
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36,
48, or 60 Months for Up to $5000 |
10.5%
APR
thru
12.5%APR |
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Debt
Consolidation Loan |
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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. |
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36,
48, or 60 Months for From $5000 to $10000 |
11.5%
APR
thru
13.5%APR |
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Computer Loan |
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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. |
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Up to 36 months
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9.0%
APR
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Personal Loan |
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10% of the loan balance has to be pledged in
shares as collateral. Maximum is $10,000
with a repayment period of 5 years. |
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Up to
60 months
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15.00%
APR
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Line of
Credit Loan |
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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. |
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15.00%
APR
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Easy Credit
Loan |
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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. |
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Up to
12 months
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18.00%
APR |
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Loans
subject to credit approval. Rates Subject to change
without any prior notice. Check with this office
for Specials. Rates effective as of 06/2013.
** Subject to change.
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Savings
*Annual Percentage Yield |
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Savings Type
As of 06/30/2012 |
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Rate |
APY*
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.15% |
.15% |
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Club Accounts |
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$100 Minimum |
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.15%
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.15%
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Savings Extra
Investment Account |
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$2000 Minimum $100,000 Maximum |
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.35%
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.35% |
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VISA
Credit Cards |
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APR |
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12.90% APR |
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11.90% APR |
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Fee Structure
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Fee
Type
As of 10/01/2011 |
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Amount |
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ATM
Withdrawal (each - includes w/d, transfer or
inquiry) |
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$1.00 |
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$10.00 |
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Dormant Account Fee (no activity within 12
months) |
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$10.00 |
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Copy of
Statement / Copy of History |
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$5.00 |
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Early
Withdrawal from Club Accounts
(Christmas/Vacation) |
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$25.00 |
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$3.00 |
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$5.00 |
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$10.00 |
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Return ACH
or Share Draft
(Insufficient funds) |
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$30.00 |
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$10.00 |
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$25.00 |
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Transfer from
Savings (overdraft protection) |
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$3.00 |
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$15.00 |
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International Wire Transfer
(outgoing) |
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$30.00 |
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Withdrawal
from Extra Savings Account (after one per
month) |
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$10.00 |
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Withdrawal
from Savings (after third per quarter) |
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$9.00 |
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$15.00 |
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Negative Account Fee each |
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$20.00 |
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