Loan Rates

Auto Loans

DescriptionApproximate TermAnnual Percentage RateNotes
New to 3 year old modelsUp to 36 Months3.45% to 13.75%
New to 3 year old models37 to 48 Months3.70% to 14.00%
New to 3 year old models49 to 60 Months3.70% to 14.25%
New to 3 year old models61 to 72 Months4.45% to 16.00%
New to 3 year old models73 to 84 Months5.75% to 19.00%Terms exceeding 72 months
will be based on down payment
& other factors
Used 2010 thru 2015 modelsUp to 36 Months4.45% to 14.75%
Used 2010 thru 2015 models37 to 48 Months4.70% to 15.00%
Used 2010 thru 2015 models49 to 60 Months4.70% to 15.25%
Used 2010 thru 2015 models61 to 72 Months5.45% to 17.00%Terms exceeding 60 months
will be based on downpayment
& other factors

Personal Loans

DescriptionApproximate TermAnnual Percentage RateNotes
Personal LoanUp to 12 Months8.25% to 16.75%
Personal Loan13 to 24 Months9.25% to 17.75%
Personal Loan25 to 36 Months10.25% to 18.75%
Personal Loan37 to 48 Months11.25% to 19.75%
Personal Loan49 to 60 Months12.25% to 20.25%
Line of Credit LoanPrime rate plus 8%Revolving account-payment
is 3% of the loan balance
after each loan advance
Pledge of Sharesup to 72 Months4% above
current share rate
With a floor of 4%
Pledge of Share Certificateup to 72 Months4% 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

DescriptionTermAnnual Percentage Rate
Organizational Vehicle Loans36-84 months3.45% to 5.75%
Organizational Loans(Unsecured)12-120 months4.50% to 7.00%
Organizational Loans (Real Estate Secured)Call us for rates and terms
Organizational Line of CreditPrime plus 1% with a floor of 5%
Organizational Shares/CD Pledge LoanUp to 72 monthsShare/CD rate plus 4% with a floor of 4.00%
Jublilee Assistance Fund LoanUp to 72 monthsShare rate plus 6%

Credit Cards

DescriptionAnnual Percentage RateNotes
Personal VISA®9.99%-16.99%No annual fee, 25 day grace period, no transaction fee for cash advances or balance transfer.
Late fee is 5% of payment amount due, Card/PIN replacement fee $15, insufficient funds fee $25, foreign transaction fee 1% for all transactions.
*Annual Percentage Rate (APR) is based on individual’s credit score.
Business/Organizational VISA®7.99%No annual fee, 25 day grace period.
Late fee is 5% of payment amount due, card replacement fee $15, insufficient funds fee $25, foreign transaction fee 1% for all transactions.