| LOAN TYPE | DAILY PERIODIC RATE | ANNUAL PERCENTAGE RATE |
|---|---|---|
| Share Secured Loan: | ||
| Up to 48 months – As Low As | 0.012329% | 4.50%*** |
| Holiday Loan: | ||
| Up to 12 months – As Low As | 0.021891% | 7.99%*** |
| Car Loans: | ||
| 36 months – As Low As | 0.0081917% | 2.99%*** |
| 48 months – As Low As | 0.0095616% | 3.49%*** |
| 60 months – As Low As | 0.0109315% | 3.99%*** |
| 72* months – As Low As | 0.0123014% | 4.49%*** |
| *72 Months Only the Loan Amount Must Be $30,000 or More | ||
| Boats/RV’s/Motorcycles: | ||
| Up to 48 months – As Low As | 0.027397% | 10.00%*** |
| Personal Loan: | ||
| Up to 36 months – As Low As | 0.032877% | 12.00%*** |
| 48 months – As Low As | 0.035616% | 13.00%*** |
| Overdraft Protection: | ||
| As Low As | 0.042466% | 15.50%*** |
***Annual Percentage Rates are based on your credit quality. Your rate may be different than disclosed.
All loans are risk based and your Annual Percentage Rate will be determined by your credit score at the time of advance.
Not applicable to any promotional rates.
Minimum Monthly Payment – Your minimum payment will never be less than $25.00 on all type loans except share draft overdraft protection loans, in which case the minimum payment will be $50.00 per month.
Minimum Advance Amount – The minimum loan advance that you can receive is $500.00. Overdraft Line of Credit Advances will be in increments of $100.00.
Collection Costs – You agree to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees not in excess of 15% of the unpaid debt.
Late Charges – If a payment is 10 days or more late, we charge you 10% of the regular payment but not less than $10.00.
Filing Fees – You may be charged a lien filing fee at the time of the advance. The amount of any fee will be disclosed to you at the time of the advance.