Loan Rates

Effective Date October 1, 2019

Personal Loans

Type Rate Term Maximum Amount
Special Personal 8.00% 12M $10,000.00
Personal 9.00% 36M $10,000.00
Personal 11.00% 60M $10,000.00
Overdraft 18.00% $25.00/$50.00 $500.00/$1,000.00
Back-to-School/Holiday 0% 10M $1,500.00

Secured Loans

Type Rate Term Maximum Amount
Share Secured 4.00% 36M Shares Available
CD Secured 4.00% CD Term CD Amount
Auto 2020-2015 2.75% 36M See Policy
3.00% 48M See Policy
3.25% 60M See Policy
$13,000.00 3.75% 72M See Policy
$23,000.00 4.55% 84M See Policy
2014-2009 3.75% 36M See Policy
4.00% 48M See Policy
4.25% 60M See Policy
$13,000 4.50% 72M See Policy
2008 and below 5.00% 36M See Policy
5.25% 48M See Policy
Boats, TT, RVs, Farm Eq, M/C, UTVs 2020-2013 5.00% 60M See Policy
$13,000.00 5.25% 72M See Policy
$23,000.00 5.50% 84M See Policy
$35,000.00 6.00% 120M Credit Committee
 2012 and under 5.25% 48M See Policy
5.75% 60M See Policy
$15,000.00 6.00% 72M See Policy
 Lawn Mowers, ATVs, Jet Ski, Golf Cart 4.75% 36M Purchase Price
5.00% 48M Purchase Price
5.50% 60M Purchase Price
HELOC 1st Mtg 5.75% $16.00 per 1,000 $10,000 min
HELOC 2nd Mtg 6.00% $16.00 per 1,000 $10,000 min
1st Mtg (Fixed) 3.00% 120M 80% of Appraisal
3.125% 180M 80% of Appraisal
3.50% 240M 80% of Appraisal
Improved/Unimproved Property 5.50% 120M 75% of Appraisal
Household Goods 8.00% 48M Purchase Price

Listing of Registered Mortgage Loan Originators and National Mortgage Licensing System Corresponding Unique Identifiers 

In compliance with SAFE Act (Secure And Fair Enforcement of Mortgage Licensing Act)

Debbie Morgan                                               NMLS# 809505

If you have any questions about the above information, please contact us at 256-355-5010.

Loan examples for the above advertised loan types:

Auto 2020-2015
$30,000.00 at 2.75% APR for 36 months = $870.00 per month.
$30,000.00 at 3.00% APR for 48 months = $665.00 per month.
$30,000.00 at 3.25% APR for 60 months = $543.00 per month.
$30,000.00 at 3.75% APR for 72 months = $466.00 per month. ($13,000.00 minimum)
$30,000.00 at 4.55% APR for 84 months = $418.00 per month ($23,000.00 minimum)

Auto 2014-2009
$30,000.00 at 3.75% APR for 36 months = $883.00 per month.
$30,000.00 at 4.00% APR for 48 months = $678.00 per month.
$30,000.00 at 4.25% APR for 60 months = $556.00 per month.
$30,000.00 at 4.50% APR for 72 months = $477.00 per month. ($13,000.00 minimum)

Auto 2008 & below
$30,000.00 at 5.00% APR for 36 months = $900.00 per month.
$30,000.00 at 5.25% APR for 48 months = $695.00 per month