|Share Secured/Share Certificate Secured Loan Rates|
|One Year Share Secured Loans1||3.90% Fixed||$85.11|
|Share Certificate Secured Loans2||2.00% Above Share Certificate Rate||Repayment terms are dependent upon the current certificate rate. Please call for details.|
*APR = Annual Percentage Rate.
1Payment Example: For a $10,000 loan at 3.90% APR for 12 months, monthly payments will be $851.04.
2Baloon Payment Example: For a $150,00 balloon loan for a term of 120 months with a 3.40% APR (in effect August 2020), there will be 119 monthly payments of $665.22 and one final payment of $116,389.58.
**Monthly payment is based on your payment per $1,000 for APR rate and term.
Share Certificate Secured loans may be written with a balloon note feature with a maturity date that matches the maturity date of the Share Certificate.
The amortization term can extend to ten years for balloon notes.
Share secured loans can be amortized to ten years with a balloon date at 36 months.
All loans are subject to approval. All rates are effective as of 12/20/2004.