Loan Rates


Loans

Description Approximate Term Annual Percentage Rate Notes
New to 2 year old models Up to 36 Months 2.45% to 13.50%
New to 2 year old models 37 to 48 Months 2.70% to 13.75%
New to 2 year old models 49 to 60 Months 2.70% to 14.00%
New to 2 year old models 61 to 72 Months 3.45% to 15.25%
New to 2 year old models 73 to 84 Months 5.50% to 18.25% Terms exceeding 72 months
will be based on down payment
& other factors
Used 2009 thru 2014 models Up to 36 Months 3.45% to 14.50%
Used 2009 thru 2014 models 37 to 48 Months 3.70% to 14.75%
Used 2009 thru 2014 models 49 to 60 Months 3.70% to 15.00%
Used 2009 thru 2014 models 61 to 72 Months 4.45% to 16.25% Terms exceeding 60 months
will be based on downpayment
& other factors
Personal Loan Up to 12 months 8.25% to 16.75%
Personal Loan 13-24 months 9.25% to 17.75%
Personal Loan 25-36 months 10.25% to 18.75%
Personal Loan 37-48 months 11.25% to 19.75%
Personal Loan 49-60 months 12.25% to 20.25%
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 4% above
current share rate
With a floor of 4%
Pledge of Share Certificate up to 72 months 4% above current share
certificate rate
With a floor of 4%

Example: For a $20,000 loan for a term of 60 months with a 4.99% APR, the monthly payment will be $377.33.

Organizational Loan Rates

Description Term Annual Percentage Rate
Organizational Vehicle Loans 36-84 months 2.45% to 5.50%
Organizational Loans(Unsecured) 12-120 months   4.25% to 6.75%
Organizational Loans (Real Estate Secured) Call us for rates and terms
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 4% with a floor of 4.00%
Jublilee Assistance Fund Loan Up to 72 months Share rate plus 6%