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To apply for a loan:  CLICK HERE
LOAN TERM AND RATES
Effective June 27, 2014, for new loan applications, the Experian credit score of the Primary Borrower will be used to adjust the interest rate of the loan.  Click here for details
Effective April 1, 2010, if you make your loan payments through automatic payroll deductions or direct deposits, we will lower your interest rate by 0.50%.
*Annual Percentage Rate with automatic payroll deposits or direct deposits.

**Annual Percentage Rate without automatic payroll deposits or direct deposits.

TYPE   TERM
months
APR*   APR**
 New Auto  36  3.50% 4.00% 
   48  3.75%  4.25%
   60  3.75%  4.25%
   72  4.25%  4.75%
   84  5.25%  5.75%
   96  6.00%  6.50%
       
 Used Auto 36   3.50%  4.00%
   48  3.75%  4.25%
   60  3.90%  4.40%
   72  4.90%  5.40%
   84  5.90%  6.40%
       
 Share pledged  12  3.50%  3.50%
   24  3.70%  3.70%
   36  3.90%  3.90%
   48  4.10%  4.10%
   60  4.30%  4.30%
       
 Special  12   5.90%    6.40% 
 Tuition  12  5.90%  6.40%
 Vacation  12   5.90%   6.40% 
 Tax  12   5.90%  6.40% 
 Holiday  12    5.90%  6.40% 
       
 Personal  12  6.49%  6.99% 
   12  6.90%  7.40% 
   12  7.49%  7.99% 
   12  7.90%  8.40% 
   12  8.49%  8.99% 
       
 Line of Credit    4.25%  4.25%


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For all loans: 
Late Charge Fee: $30

A $30 late charge fee will be charged each month for loan payment past due 30 days or more.


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