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Lending Rates - Overdraft Line of Credit

Loan Rates



Unsecured Consumer Loan Product NameAnnual Percentage RateTermMaximum Loan AmountEstimated Monthly Payment Per $1,000 Borrowed
Credit Consolidation Loan9.00%Up to 48 months$20,00048 payment of $24.90
Education Loan9.00%Up to 60 months$15,00060 payments of $20.77
Overdraft Protection Line of Credit13.00%Revolving$15,000**2.3% of your outstanding account
Personal Computer9.00%Up to 36 months$5,00036 payments of $31.81
Vacation Loan6.00%Up to 12 months$5,00012 payments of $85.85
Signature9.00%Up to 48 months$20,00048 payment of $24.90
10.00%49 to 60 months$20,00060 payments of $21.26
T- Loan15.00%Up to 12 months$85012 payments of $76.75

**2.3% of your outstanding account, Subject to a minimum of $40 or your entire account balance, whichever, is less

  1. Rates are current as of November 1, 2018.  Rates are subject to change.
  2. Stated Annual Percentage Rate (APR) are the lowest rates available for qualified members. An applicant's interest rate may be higher based upon the individual's credit history.
  3. Estimated Monthly Payment Per $1,000 borrowed are intended to give you approximate information about your loan payments. Actual payment information may vary slightly. Should you elect to add credit life or disability insurance to your loan, your actual monthly payments will reflect the addition of those premiums.
  4. T-Loan list the only loan rate available for all qualified borrowers. In addition, there is a $5 application fee for applicants that will not have direct deposit or payments. The application fee for applicants with direct deposit and payments is $1.

Loan Rates

 MasterCard Credit Cards

MasterCard Gold9.90%Revolving$20,000**3% of your outstanding account balance
MasterCard Secured9.90%Revolving$5,000**3% of your outstanding account balance

**3% of your outstanding account balance, Subject to a minimum of $25 or your entire account balance, whichever, is less

Important Credit Card Disclosure

Annual Percentage Rate (APR) For Purchases
4.99%, 5.99%, 6.99% and 8.49% introductory APR for period of six (6) billing cycles based on your creditworthiness.
After that your APR will be 9.90% to 13.40% based on your credit worthiness
Annual Percentage Rate (APR) for Balance Transfers
6.99% to 10.49% introductory APR for period of six (6) billing cycles based on your credit worthiness.
After that your APR will be 9.90% to 13.40%.
Annual Percentage Rate (APR) for Cash Advances
10.90% to 14.40% based on your credit worthiness
Penalty APR and When It Applies
16.00%
This APR may be applied to your account if you :
-       Make a late payment
 
How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Method of computing the balance for purchases Average daily balance including new purchases (refer to billing statement for more information)
Fees  
Set-up and Maintenance Fees
-       Annual Fee
-       Account Set-up Fee
-       Program Fee
-       Participation Fee
-       Additional Card Fee

        -     Application Fee

 
None
None
None
None
None

None

Transaction Fees
 
 
Transaction fee for purchases
-    Balance Transfer Fee
-    Cash Advance Fee
-   Foreign Transaction Fee
 

 

 
None
None
2.5%
1.00% of each transaction in U.S. dollars completed outside the U.S.
0.20% of each transaction in U.S. dollars completed in a foreign currency.
 
Penalty Fees
    -  Late Payment Fee
      -   Over-the-Credit Limit Fee
    -  Returned Payment Fee
 
Up to $25
Up to $25
Up to $25

 

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”
 
Promotional Period for Introductory APR. This Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first three (3) months following issuance of your card.
 
Loss of Introductory APR. We may end your introductory APR for purchases and balance transfers and apply the prevailing non-introductory APR if you are 60 days late in making a payment.

Loan Rates

Secured By Deposits

Secured Consumer Loan Product NameAnnual Percentage RateTermMaximum Loan AmountEstimated Monthly Payment Per $1,000 Borrowed
Share (Saving ) Secured Loan2.00%Margin above Share rateAvailable BalanceExample 1:$17.53
Zero Share (Saving ) Secured Loan2.00%Margin above zero share rateAvailable BalanceExample 2: $17.53
Certificate Secured Loan2.50%Margin above Certificate rateCertificate Face ValueExample 3: $17.75

Example 1: Share Account Dividend Rate of 0.00% plus 2.00%= loan rate of 2.00% APR = 60 payments of $17.53

Example 2: Loan rate fixed at 2.00% APR = 60 payments of $17.53

Example 3: Certificate Dividend Rate of 0% plus 2.50% = loan rate of 2.50% APR = 60 payments of $17.75

Loan Rates

Secured Consumer Loan Product NameAnnual Percentage RateTermMaximum Loan AmountEstimated Monthly Payment Per $1,000 Borrowed
New Vehicle (Auto, Trucks and SUVs)
Up to 80% financing2.75%Up to 60 months$200,00060 payments of $17.86
2.99%61 to 72 months*$200,00072 payments of $15.19
3.25%73 to 84 months*$200,00084 Payments of $13.33
Up to 100% financing2.99%Up to 60 months$200,00060 payments of $17.96
3.25%61 to 72 months*$200,00072 payments of $15.31
3.49%73 to 84 months*$200,00084 Payments of $13.44
Used Vehicles (Auto, Trucks and SUVs)
Up to 80 financing3.25%Up to 60 months$100,00060 payments of $18.08
3.49%61 to 72 months*$100,00072 payments of $15.41
Up to 100% financing3.49%Up to 60 months$100,00060 payments of $18.19
3.75%61 to 72 months*$100,00072 payments of $15.53
Older Used Vehicle
Up to 100% financing5.75%Up to 36 months
New motorcycle4.99%Up to 60 months
Used Motorcycle7.25%Up to 36 months
New Leisure Vehicles (RVs, Boats, Watercraft)
Up to 1 model year old6.75%Up to 120 months
Used Leisure Vehicles (RVs, Boats, Watercraft)
Up to 6 model years old8.25%Up to 120 months
  1. Loans terms available up to 84 months.
  2. New vehicle financing up to 100% includes M.S.R.P., plus taxes, tags, GAP insurance and extended warranty.
  3. Used vehicle financing on models 1-9 years old is up to 100% of N.A.D.A. suggested average retail value, plus taxes, tags, GAP insurance and extended warranty.  No financing past the 10th year of vehicle life.
  4. Reduced rates for 80% or less financing, when offered, are not applicable to refinancing.
  5. Stated APR is the lowest rate available for qualified members. An applicant's actual rate may be higher based upon credit worthiness.
  6. Estimated Monthly Payment Per $1,000 borrowed are intended to give you approximate information about your loan payments. Actual payment information may vary. Should you elect to add credit life or disability insurance to your loan, your actual monthly payments will reflect the addition of those premiums.

Loan Rates

Home Equity ProductsAnnual Percentage RateTermMaximum Loan Amount
Second Trust Loan As Low As
LTV up to 80%6.00%Up to 180 months 
LTV over 81% to 85%No Longer Offered 
Super Home Equity Line of Credit
LTV up to 80%4.25%**Up to 360 months$600,000
LTV over 81% to 85%No Longer Offered
Home Equity Line of Credit
LTV up to 80%6.00%Up to 300 months 
LTV over 81% to 85%No Longer Offered 
  1. Rates are current as of November 1, 2018. Rates are subject to change.
  2. Stated Annual Percentage Rate (APR) are the lowest rates available for qualified members. An applicant's rate may be higher based upon credit worthiness.
  3. The Super Home Equity Line of Credit (SHELOC) rate listed is prime floating as low as minus 1% or as high as plus 1%, with a floor of 3.25%.  The rate can adjust monthly on the first day of each month, based on the prime rate on the 15th day of the previous month.
  4. The Home Equity Line of Credit (HELOC) is a floating rate of prime as low as prime listed in the Wall Street Journal with a floor of 6%. Subject to change quarterly.

 

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