Current Rates
Rates and terms are subject to change without prior notice. Small business funding underwritten and approved by the following funders: Bad Credit Business Advance, Restaurant Business Funders, Low Fico Score Small Business Funding.
Loan Rates
Auto Loans (New & Used)
Range from 2.75% to 15.00%
Terms from 24 Months to 84 Months
Recreational Vehicle Loans
Range from 3.25% to 15.00%
Terms from 24 Months to 120 Months
Unsecured Loans
Range from 6.25% to 15.00%
Terms from 24 Months to 72 Months
Large Collateral
Range from 7.00% to 15.00%
Terms from 24 Months to 72 Months
Share Secured Loans - Call for rates
Examples
| Type | Principal | Rate | Terms | Monthly Payment |
|---|---|---|---|---|
| Auto | $40,000 | 2.75% | 60 Months | $715 |
| RV | $25,000 | 3.50% | 72 Months | $386 |
| Unsecured | $15,000 | 6.25% | 48 Months | $358 |
| Large Collateral | $20,000 | 8.00% | 72 Months | $351 |
Rates stated as Annual Percentage Rate (APR)
Rates, terms and conditions are subject to credit approval and collateral pledged.
This is not a guarantee of credit.
Current Rates
Rates Effective July 1, 2019
| Tiers | Balance | APR* | APY** |
|---|---|---|---|
| Tier 1 | $5.00-$24,999.99 | 0.55% | 0.551% |
| Tier 2 | $25,000.00-$49,999.99 | 0.65% | 0.652% |
| Tier 3 | $50,000.00-$99,999.99 | 0.80% | 0.803% |
| Tier 4 | $100,000.00 and over | 1.10% | 1.106% |
*Annual Percentage Rate
**Annual Percentage Yield
Fees may reduce earnings.
The Board of Directors will ratify the dividend rates once current income and available earnings, after required transfers to statutory reserves, are determined to exist.
If an account is set up as
| Joint (Or) | All joint owners have access to the account information and may perform transactions without the consent of the other owner(s). |
| Joint (And) | All joint owners have access to the account information and may perform transactions only with the other owner(s) also signing prior to the transaction taking place. |
| POD(s) | In the event of the account owner(s) death the payable on death (POD) beneficiary(s) will be given the funds. If more than one beneficiary is named, the funds will be paid out proportionately to each beneficiary. The POD(s) must bring in a death certificate and personal identification prior to any funds being released from the account. |
Fee Schedule
Rates Effective March 1, 2016
| Excessive Withdrawal | $2 per withdrawal after 2 per month |
|---|---|
| Bad Address/Returned Statement | $5 per statement |
| Cashier's Check | $5 per check |
| Dormant Account | $5 per month |
| Outgoing Wire | $15 (Domestic wires only) |
| Stop Payment | $15 per check |
| Returned Check | $25 from member *$15 made payable to member |
| Loan Payment Deferral | $40 (maximum 2 deferrals per loan per year)
not all loans/members will qualify |
(Updated 06/19/19)