Loans
| Description |
Approximate
Term |
Annual
Percentage Rate |
Notes |
3 year old models & NEW
|
Up to 36 Months |
1.99% to 13.25% |
|
| 3 year old models & NEW |
37 to 48 Months |
1.99% to 13.50% |
|
3 year old models & NEW
|
49 to 60 Months |
1.99% to 13.75% |
|
| 3 year old models & NEW |
61 to 72 Months |
1.99% to 15.00% |
|
3 year old models & NEW
|
73 to 84 Months |
5.25% to 18.00% |
Terms exceeding 72 months
will be based on down payment
& other factors
|
| |
|
|
|
| 4 year old models or Older |
Up to 36 Months |
4.75% to 15.25% |
|
| 4 year old models or Older |
37 to 48 Months |
5.00% to 15.50% |
|
| 4 year old models or Older |
49 to 60 Months |
5.25% to 15.75% |
|
| 4 year old models or Older |
61 to 72 Months |
5.75% to 18.00% |
Terms exceeding 60 months
will be based on downpayment
& other factors |
| |
|
|
|
| Personal Loan |
Up to 12 months |
8.25% to 15.75% |
|
| Personal Loan |
13-24 months |
9.25% to 16.75% |
|
| Personal Loan |
25-36 months |
10.25% to 17.75% |
|
| Personal Loan |
37-48 months |
11.25% to 18.75% |
|
| Personal Loan |
49-60 months |
12.25% to 19.75% |
|
| |
|
|
|
| Line of Credit Loan |
- |
Prime rate plus 8% |
Revolving account-payment
is 3% of the loan balance
after each loan advance |
| Pledge of Shares |
up to 72 months |
3% above
current share rate |
With a floor of 4% |
| Pledge of Share Certificate |
up to 72 months |
3% above current share
certificate rate |
With a floor of 4% |
Home Equity Loan Rates
| Description |
Term
1-60 Months
|
Term
61-120 Months
|
Term
121-180 Months
|
| 60% OR LESS CLTV |
5.75% |
6.25% |
6.75% |
| 61% TO 70% CLTV |
6.00% |
6.50% |
7.00% |
| 71% TO 80% CLTV |
6.25% |
6.75% |
7.25% |
| 81% TO 90% CLTV |
6.75% |
7.25% |
7.75% |
| |
|
|
|
*For all home equity loans: Closing costs include $100 application fee, $120 property search, $15 flood search and the cost of recording the Deed of Trust. $100 fee if paid off within 6 months.
Organizational Loan Rates
| Description |
Term |
Annual Percentage Rate |
| Organizational Vehicle Loans |
36-84 months |
1.99% to 5.75% |
| Organizational Loans(Unsecured) |
12-120 months |
4.75% to 7.25% |
| Organizational Line of Credit |
- |
Prime plus 1% with a floor of 5%
|
| Organizational Shares/CD Pledge Loan |
Up to 72 months |
Share/CD rate plus 3% with a floor of 4.00%
|
| Jublilee Assistance Fund Loan |
Up to 72 months |
Share rate plus 6%
|
