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| Product | APR* | Maximum Loan | Type | Terms (Months) |
|---|---|---|---|---|
| Personal Loan | 12.74% | $30,000.00 | Fixed | up to 48 |
| Personal Loan | 12.49% | $25,000.00 | Fixed | up to 48 |
| Personal Loan | 11.99% | $20,000.00 | Fixed | up to 48 |
| Share Secure loans | 3% above saving rate | Fixed | 48 | |
| Share Certificate secure loans | 1.50% above CD Rate | NA | Fixed | must match Certificate term |
*APR= Annual Percentage Rate. Rates shown above are for qualified borrowers as of 5/15/2023
All borrowers must have or open savings and must be a member in good standing, membership requires a $100 minimum balance in a share savings account to avoid fees. A full credit check will be required for all borrowers. All advertised rates are subject to individual qualifying factors and subject to change without notice. Straight refinances are not eligible for a lower rate, additional advance is required. Consistent employment of 6 months minimum is required. A minimum income of $12,000 annually is required. Personal Loan Payment Example: The payment on a $10,000 loan would be $263.44 by using the $26.35 per $1000 at a non-variable interest rate of 11.99% APR with a 48-month term.