| Loan Accounts |
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| Unsecured Loans (Signature) |
| | | The total of your vacation loan and back to school loan plus any current personal loan balance cannot exceed your approved limit for personal loans. Limits are set based on length of employment, credit history and income. | | |
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| Vacation Loan | 8.75% APR | One Year |
| $0 Minimum $5000 Maximum Can only be taken during May through August |
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| Share-Secured Loans |
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| Share Secured | Last Div + 2.00% APR | Maximum term is 10 Years |
| You may borrow up to 95% of your Share Acct. |
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| Vehicle Loans |
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| New Car, Boat, or Motorcycle | 4.90% APR | up to 72 Months |
| $0 Minimum $35000 Maximum 10 payments a year or 12 payments a year |
| Used Car: 2007, 2008, 2009 | 5.50% APR | up to 60 Months |
| $0 Minimum $30000 Maximum 100% of NADA Retail VAlue |
| Used Car , 2004, 2005, 2006 | 5.70% APR | up to 48 Months |
| $0 Minimum $30000 Maximum 100% of NADA Retail Value |
| Used Car 2002, 2003 | 5.90% APR | up to 36 Months |
| $0 Minimum $30000 Maximum 100% of NADA Retail value |
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| Home Equity Loans |
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| Fixed Rate | 5.25% APR | 5 Years |
| $10000 Minimum $100000 Maximum |
| Fixed Rate | 5.50% APR | 7 Years |
| $10000 Minimum $100000 Maximum |
| Fixed Rate | 5.75% APR | 10 Years |
| $10000 Minimum $100000 Maximum |
| Variable Rate Line of Credit | 3.00% APR | 15 Years |
| $10000 Minimum $100000 Maximum Prime rate -1% for first year, then prime -1/4% |
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| Personal Loans |
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| First Year in the District | 10.75% APR | 48 Months |
| $0 Minimum $3500 Maximum Must have a cosigner |
| 2 to 3 years in the District | 10.75% APR | 48 Months |
| $0 Minimum $5000 Maximum Must have a cosigner to borrow over $3500.00 |
| 4 to 10 years in the district | 10.75% APR | 48 Months |
| $0 Minimum $10000 Maximum Must have a cosigner to borrow over $5,000.00 |
| Over 10 years in the district | 10.75% APR | 48 Months |
| $0 Minimum $10000 Maximum No cosigner required |
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