|
Rates & Terms
EFFECTIVE AS OF November 1, 2024
| Vehicle Loans | ||||||
|---|---|---|---|---|---|---|
| A.P.Y. | Daily Periodic Rate |
A.P.Y. | Daily Periodic Rate |
A.P.Y. | Daily Periodic Rate |
|
| New Auto | 36 Month | 48 Month | 60 Month | |||
| 2025 | 5.25% - 10.25% | .014384 - .028082 |
5.50% - 10.50% | .015068 - .028767 |
5.75% - 10.75% | .015753 - .029452 |
| Used Auto | ||||||
| 2025 - 2022 | 5.25% - 10.25% | .014384 - .028082 |
.50% - 10.50% | .015068 - .028767 |
5.75% - 10.75% | .015753 - .029452 |
| 2021 - 2012 | 6.25% - 11.25% | .017123 - .030822 |
6.50% - 11.50% | .017808 - .031507 |
6.75% - 11.75% |
.018493 - .032192 |
| 2011 - 2008 | 8.00% - 13.00% | .021918 - .035616 |
8.00% - 13.00% |
.021918 - .035616 |
N/A | |
| Older | 8.00% - 13.00% 24 or 36 Month Only |
.021918 - .035616 |
N/A | N/A | ||
ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. THE RATE YOU PAY IS BASED ON YOUR CREDIT HISTORY, LENGTH AND TYPE OF LOAN.
SHARE/SHARE CERTIFICATE SECURED LOANS
3.00% ABOVE RATE EARNED ON PLEDGED COLLATERAL. RATE IS VARIABLE
AND WILL BE ADJUSTED IF RATE CHANGES ON PLEDGED COLLATERAL.
SIGNATURE LOANS 9.90% - 18.00% A.P.Y. .0271233 - .049315 D.P.R.
HOME EQUITY LINE OF CREDIT
7.75% VARIABLE ADJUSTED QUARTERLY
FILING FEES: You promise to pay any filing fees associated with your advance(s) under this note. The amount of any such fees will be determined at the time of each advance and will be disclosed on the Advance Request Voucher.
LATE CHARGES: If you are late more than 15 days in making your payment you will pay a late charge of 5.00% of the overdue installment, or $15.00, whichever is greater.
COLLECTION COSTS: You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.
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