Loan Solutions

All Loans are Subject to Credit Approval


Vehicle Loans


new, used & classic vehicles

  • Financing up to 100% of purchase price or NADA retail value, whichever is less. 
  • GAP (Guaranteed Asset Protection)
  • Vehicle Warranties available

new & used recreational vehicles 

  • Includes RV's, Campers, Boats, Motorcycles, etc.
  • Financing up to 100% of purchase price or NADA retail value, whichever is less. 
  • GAP Available (Guaranteed Asset Protection) & Vehicle Warranties available

CarFax vehicle history reports are available for $19.99
A CarFax report can be beneficial in your car shopping journey for a variety of reasons.  Receiving a CarFax report can give you piece of mind knowing several details about your newly acquired car such as: Accident History, Service History, Mileage History, & Owner History.  We always want our members to be satisfied with their car purchase & all of these things can play a big role in your decision.


Cash Loans


share secured 

  • Utilize funds in your savings accounts as collateral
  • Loan rate is 2% above current dividend rate on collateralized account
  • May be used to establish or help build credit 
  • Minimum of $500 to get started
  • Terms up to 60 months
 

Overdraft line of credit

  • Overdraft Lines of Credit up to $3,500.00

  • Daily Periodic Range (DPR): 0.049315%

  • Annual Percentage Rate Base is 18.00%

personal

  • Loan amounts up to $15,000.00
  • Terms up to 48 months
  • Seasonal Christmas & Vacation Loans

SHARE SECURED LOANS
Up to 60 Months
Daily Periodic Range (DPR): 0.005753%
Annual Percentage Rate Range is 2.10% when secured by Primary Savings.

PERSONAL LOANS
Personal loans are available for a term up to 48 months. Daily Periodic Rate (DPR) Range of: 0.022603%-0.049315% 
Annual Percentage Rate (APR) Range of: 8.25%-18.00% 
APR base of: 13.25%.


CERTIFICATE SECURED LOANS – CERTIFICATE SECURED (VARIABLE RATE)
The Annual Percentage Rate (APR) for advances secured by Share Certificate will be equal to the Dividend Rate being paid on the Share Certificates offered as security (Index Value) plus a Margin of 2.00%. The Share Certificate must be continuously renewed until the advance has been completely repaid. Failure to renew will result in a default under this plan. When the Share Certificate is renewed the APR will change to reflect the new Index Value and Margin. Any increase or decrease in the APR will affect the number of payments you will make under the account. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid. The APR and the Daily Periodic Rate (DPR) will be disclosed on the Receipt, Voucher or Disbursement Receipt provided at the time of the advance.


Mortgage Loans


first mortgages

  • First mortgage opportunities available through The Servion Group
  • Purchase & Refinance options available

All Loans are Subject to Credit Approval

home equity lines of credit

  • Terms up to 180 months
  • Financing up to 80% of your home's equity 
  • Variable rate (rate can only change once annually)
  • Low closing costs

2nd mortgage real estate 

  • Terms up to 180 months
  • Financing up to 80% of your home's equity
  • Fixed Rate
  • Low Closing Costs

Payment Example 1
Payment $18.65 per $1,000 financed
for a 60 month term at 4.50% APR*

Payment Example 2
Payment $10.61 per $1,000 financed
for a 120 month term at 5.00% APR*

Payment Example 3
Payment $19.69 per $1,000 financed
for a 60 month term at 6.75 % APR*


Land Loans


LAND RATES

  • Up to 10 Year Fixed Land Loans, Rate 6.75%
  • Rural land up to 65% Loan to Value
  • Sub Division up to 85% Loan to Value
  • Maximum acreage 5 acres