Loan Rates
Effective Date January 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 2019-2014 | 2.75% | 36M | See Policy |
| 3.00% | 48M | See Policy | |
| 3.25% | 60M | See Policy | |
| $13,000.00 | 3.55% | 72M | See Policy |
| $23,000.00 | 4.55% | 84M | See Policy |
| 2013-2008 | 3.75% | 36M | See Policy |
| 3.75% | 48M | See Policy | |
| 4.00% | 60M | See Policy | |
| $13,000 | 4.25% | 72M | See Policy |
| 2007 and below | 4.75% | 36M | See Policy |
| 5.25% | 48M | See Policy | |
| Boats, TT, RVs, Farm Eq, M/C, UTVs 2019-2012 | 3.75% | 60M | See Policy |
| 4.00% | 72M | See Policy | |
| 4.75% | 84M | See Policy | |
| 6.00% | 120M | See Policy | |
| 2011 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 | 5.50% | $16.00 per 1,000 | $10,000 min |
| HELOC 2nd Mtg | 6.00% | $16.00 per 1,000 | $10,000 min |
| 1st Mtg (Fixed) | 3.75% | 120M | 80% of Appraisal |
| 1st Mtg (Fixed) | 3.90% | 180M | 80% of Appraisal |
| 1st Mtg (Fixed) | 4.00% | 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 2019-2014
$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 3.55% APR for 72 months = 464.00 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 2013-2008
$30,000.00 at 3.75% APR for 36 months = 883.00 per month.
$30,000.00 at 3.75% APR for 48 months = 675.00 per month.
$30,000.00 at 4.00% APR for 60 months = 553.00 per month.
$30,000.00 at 4.25% APR for 72 months = 473.00 per month. ($13,000.00 minimum)
Auto 2007 & below
$30,000.00 at 4.75% APR for 36 months = 896.00 per month.
$30,000.00 at 5.25% APR for 48 months = 695.00 per month