LOAN POLICY

DON'T SEE WHAT YOU WANT HERE? ASK US - WE LIKE TO SAY YES!

*** COLLATERAL MORE THAN 10 MODEL YEARS OLD MUST BE BOARD APPROVED (BOARD OF DIRECTORS MEET THE 3RD WEEK OF THE MONTH) CALL FOR DETAILS BEFORE APPLYING FOR A LOAN ON COLLATERAL MORE THAN 10 YEARS OLD)

SHARE SECURED-

TERMS UP TO 120 MONTHS 3.00% OVER SHARE DIVIDEND RATE

UNENCUMBERED CURRENT SHARE ACCOUNT BALANCE

VISA- WITH NO ANNUAL FEE! VISA CLASSIC- CREDIT LIMIT UP TO $6,000 VISA GOLD-CREDIT LIMIT UP TO $10,000 VISA PLATINUM-CREDIT LIMIT UP TO $15,000

VISA CLASSIC-10.92 % FOR PURCHASES 13.92% FOR CASH ADVANCES

VISA GOLD-9.9% FOR PURCHASES & CASH ADVANCES

VISA PLATINUM- 7.9% FOR PURCHASES & CASH ADVANCES

UNSECURED LOANS - UP TO 5,000  FOR 36 MONTHS AT 10.95% DEPENDING ON YEARS OF EMPLOYMENT.

SPECIAL TAX LOANS- 2,000 FOR 24 MONTHS AT 8.% OR 3,000 FOR 36 MONTHS AT 10.%  

NEW AUTO LOAN:

60 MONTHS 5.50%

72 MONTHS 6.00%  **IF LOAN EXCEEDS 20,000 TERM UP TO 72 MONTHS

84 MONTHS 6.50% **IF LOAN EXCEEDS 30,000 TERM UP TO 84 MONTHS

UP TO 90% OF PURCHASE PRICE NOT INCLUDING TAX/LIC/WARRANTY/GAP OR LOW BLUE BOOK VALUE IF AVAILABLE

USED AUTO LOANS:

48 MONTHS 5.50%

60 MONTHS 6.00%

UP TO 100% LOW BLUE BOOK VALUE

NEW BOAT/RV'S -

84 MONTHS 7.50%

90% OF PURCHASE PRICE, NOT INCLUDING TAX AND LICENSE.

USED BOAT/RV'S -

84 MONTHS 9.00%

80% LOW BOOK OR APPRAISAL, NOT INCLUDING TAX AND LICENSE.

NEW MOTORCYCLE -

60 MONTHS 9.00%

72 MONTHS 10.00% ** IF LOAN EXCEEDS 14,000 TERM UP TO 72 MONTHS

90% OF PURCHASE PRICE NOT INCLUDING TAX/LICENSE/WARRANTY.

USED MOTORCYCLE -

36 MONTHS 12.00%

80% LOW BOOK, NOT INCLUDING TAX AND LICENSE.

FIRST MORTGAGE LOANS -  *** CALL FOR DETAILS****

HOME EQUTIY LINE OF CREDIT - *** CALL FOR DETAILS****

Click here for a loan application