Loan Rates

Effective Date:  December 4, 2020

Personal Loans

*APR = Annual Percentage Rate. Rates are subject to change. Rates are based on individual credit history.

Type APR* Term Maximum Amount
Special 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 2.25% 36M See Policy
2.85% 48M See Policy
3.00% 60M See Policy
$15,000.00 min. 3.25% 72M See Policy
$25,000.00 min. 3.75% 84M See Policy
2015-2011 3.50% 36M See Policy
4.00% 48M See Policy
4.50% 60M See Policy
$15,000 min. 4.60% 72M See Policy
2010 and older 5.50% 36M See Policy
Boats, RVs, Farm Equipment,
Motorcycles, UTVs
4.00% 36M See Policy
4.00%

4.25%

48M

60M

See Policy

See Policy

$15,000.00 4.50% 72M See Policy
$25,000.00 5.00% 96M See Policy
$35,000.00 5.60% 120M Credit Committee
$50,000.00 5.75% 180M Credit Committee
Lawn Tractor, ATVs,
Jet Ski
4.75% 36M Purchase Price
5.00% 48M Purchase Price
5.50% 60M Purchase Price
1st Mtg (Fixed) 2.85% 120M 80% of Appraisal
3.95% 180M 80% of Appraisal
3.00% 240M 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 2015-2020
$30,000.00 at 2.50% APR for 36 months = $866.00 per month.
$30,000.00 at 2.85% APR for 48 months = $663.00 per month.
$30,000.00 at 3.00% APR for 60 months = $540.00 per month.
$30,000.00 at 3.50% APR for 72 months = $463.00 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 2009-2014
$30,000.00 at 3.75% APR for 36 months = $883.00 per month.
$30,000.00 at 4.25% APR for 48 months = $681.00 per month.
$30,000.00 at 4.75% APR for 60 months = $563.00 per month.
$30,000.00 at 4.80% APR for 72 months = $481.00 per month. ($15,000.00 min.)

Autos 2008 & below
$30,000.00 at 5.25% APR for 36 months = $903.00 per month.
$30,000.00 at 5.50% APR for 48 months = $698.00 per month