Loan Rates

*Effective 1/1/2019. Rate may change so as always to be 4.00% above the following index rate: Prime Rate as published in the money section of the Wall Street Journal on the fifth day of the month preceding the change date. The interest rate will change monthly and the Change Date(s) are the first day of every month. If the change date falls on a holiday, the rate will be based on the Prime Rate published the next business day. The annual interest rate in effect will not be more than 18.00% or less than 4.00%. Payment is either 3.00% of the balance at the last advance or $15.00, whichever is greater. If you borrowed $1,000 and never took another advance you would make 38 payments of $30.00 and a final payment of $25.53 with a total finance charge of $165.53.

**Effective 1/1/2019. Terms to 36 mo. If you borrowed $2,000 at 10.00% APR for 36 mo, you would make 35 payments of $64.54 and a final payment of $64.13 with a total finance charge of $323.03.

Qualified members can finance up to 100%. Effective 3/4/2019. Based on borrowing $10,000 for 63 mo, the following payments and costs would apply:
-5.25% APR: 62 payments of $182.01 and a final payment of $181.43 with a total finance charge of $1446.05.
-5.50% APR: 63 mo payments of $183.17 and a final payment of $182.50 with a total finance charge of $1,539.04.
-5.75% APR: 62 payments of $184.33 and a final payment of $183.84 with a total finance charge of $1,612.30.
-5.90% APR: 63 mo payments of $185.03 and a final payment of $184.50 with a total finance charge of $1,656.36.

*Qualified members can finance up to 90% of home's value (less outstanding mortgage). Minimum loan amount $5,000. Effective 1/1/2019. Current APR is subject to change without notice. A Home Equity Line of Credit is a variable-rate product. APR adjusts to an amount equal to the Prime Rate (As published in the Wall Street Journal) less 0.26%, with a floor rate at that time of 3.75% (subject to change). Term is 5-yr Draw with 8-yr Repayment. If you make the minimum monthly payment during the term of your loan on or before the due date, the loan will be paid in full after the repayment period ends. Payments are 1.00% of the outstanding balance during draw period or $50.00, whichever is greater.

**Qualified members can finance 90% loan to value (less outstanding mortgage). Minimum loan amount $5,000. Effective 1/1/2019. Current APR is subject to change without notice. The actual interest rate offered is based on your credit history, product, loan term and the percentage of remaining equity in your home. Your APR will vary based on your final loan amount and actual finance charges. APR quoted above is based on a hypothetical $5,000 borrowed with estimated closing costs of $987. Maximum term is Up to 10 yrs years.