Interest Rates
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Interest Rates

Click here for Updated Rates as of 12/13/11

*Receive 1/4% discount on all secured loans and signature loans for each criteria met:

• Payroll deduction or automatic payment
• If financing for three years or less on secured loans (does not apply to signature loans and must finance more than $5000).

*Receive 1/4% discount for each of the following services used with Healthcare Plus with a maximum discount of 1/2%:

1. Having an active share draft account,
2. Having a credit card,
3. Having an IRA account
4. Having a $1000 balance in shares and/or share certificates.

**Lowest rate assumes maximum discounts applied.

Discounts do not apply to real estate loans, student loans or any share or share certificate secured loans.  Simple interest is charged on the outstanding balance of the loan.  There are no prepayment penalties.  Credit Disability, Credit Life and Joint Credit Life insurances are available on all loans.  All consumer loan applications and requests are charged a $10 loan advance fee.  All secured title loans will be charged $7 per vehicle to note the lien and all secured non-titled loans will be charged $20 per filing for a UCC fee.  A fee of $20 per loan will be charged to defer a loan payment.  A $50 fee will be charged to refinance to lower an interest rate on a current loan.

Share or share secured certificate loans are 3.00% over the current rate paid on the security. All rates are based on APR (Annual Percentage Rate).