Effective Date: December 1, 2021
Personal Loans
*APR = Annual Percentage Rate. Rates are subject to change. Rates are based on individual credit history.
| Type | APR* | Term | Maximum Amount |
|---|---|---|---|
| Personal | 8.00% | 12M | $10,000.00 |
| Personal | 9.25% | 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 | APR* | Term | Maximum Amount |
|---|---|---|---|
| Share Secured | 4.00% | 36M | Shares Available |
| CD Secured | 4.00% | CD Term | CD Amount |
| 2021-2016 | 2.50% | 36M | See Policy |
| 2.75% | 48M | See Policy | |
| 3.25% | 60M | See Policy | |
| $15,000.00 min. | 3.50% | 72M | See Policy |
| $25,000.00 min. | 4.00% | 84M | See Policy |
| 2015-2011 | 3.75% | 36M | See Policy |
| 4.00% | 48M | See Policy | |
| 4.50% | 60M | See Policy | |
| $15,000.00 min. | 5.00% | 72M | See Policy |
| 2010 and older | 5.50% | 36M | See Policy |
| 5.75% | 48M | See Policy | |
| Boats, RVs, Farm Equipment, Motorcycles, UTVs |
4.25% | 48M | See Policy |
| 4.50% | 60M | See Policy | |
| $15,000.00 min. | 4.75% | 72M | See Policy |
| $25,000.00 min. | 5.25% | 96M | See Policy |
| $35,000.00 min. | 5.60% | 120M | Credit Committee |
| $45,000.00 min. | 5.75% | 180M | Credit Committee |
| Lawn Tractor, ATVs, Jet Ski |
4.75% | 36M | Credit Committee |
| 5.00% | 48M | Credit Committee | |
| 5.50% | 60M | Credit Committee | |
| HELOC | 5.50% | $16.00 per 1,000 | No NEW HELOC’s only add-ons to existing |
| 1st Mtg (Fixed) | 2.50% | 120M | 80% of Appraisal |
| 2.75% | 180M | 80% of Appraisal | |
| 3.00% | 240M | 80% of Appraisal | |
| 3.25% | 360M | 80% of Appraisal | |
| Improved / Unimproved Property |
5.00% | 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:
Autos 2016-2021
$30,000.00 at 2.25% APR for 36 months = $863.00 per month.
$30,000.00 at 2.50% APR for 48 months = $658.00 per month.
$30,000.00 at 3.00% APR for 60 months = $540.00 per month.
$30,000.00 at 3.25% APR for 72 months = $460.00 per month. ($15,000.00 min.)
$30,000.00 at 3.75% APR for 84 months = $407.00 per month ($25,000.00 min.)
Autos 2011-2015
$30,000.00 at 3.50% APR for 36 months = $880.00 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 5.00% APR for 72 months = $484.00 per month. ($15,000.00 min.)
Autos 2010 & Older
$30,000.00 at 5.50% APR for 36 months = $907.00 per month.
$30,000.00 at 5.75% APR for 48 months = $702.00 per month