UNSECURED PERSONAL LOANS

AMOUNT	EMPLOYMENT	SALARY	TERM
$ 3,000 Max.	Less than 1 year	N/A	36 months
$ 4,500 Max.	1 to 5 years	N/A	36 months
$ 6,500 Max.	5 years or more	up to $20,000	48 months
$ 8,500 Max.	5 years or more	$20,001-$26,000	60 months
$11,000 Max.	5 years or more	$26,001-$32,000	60 months
$13,500 Max.	5 years or more	$32,001-$45,000	60 months
$15,000 Max.	5 years or more	over $45,001	60 months

AMOUNTS OVER $7,500 REQUIRE EXEMPLARY CREDIT HISTORY.

Saving secured loans offer you a low financing rate.  A member may borrow up to the maximum  in the savings  account.  The account is used as collateral for the loan.  The finance rate is determined by which  share account secures the loan.  You may have a saving secured loan for the term that you decide.   Call for an application and details.

REAL ADVANTAGE LOANS

This type of loan uses a Deed of Trust against your home to help secure the loan.  You may borrow up to three times your monthly salary. Interest on the type loan may be tax deductible  (some restrictions apply) check with your tax advisor.

Real Advantage Loan rate is at 9.00% and may be financed for up to five years.

Auto Advantage Loans  We also offer this loan for NEW and USED autos.  The loan is secured by a  Deed of Trust and the car title.  Rates vary on this type of loan.  Call the credit union for rates and terms.Note:  Please consult your tax advisor on interest paid on this type of loan.  Interest may be tax deductible.  This loan places a lien against your home.  When refinancing your home you will need to contact the credit union for financing options.

Looking to buy that new car of your dreams. We finance up to 100% of the manufacturers suggested retail price (MSRP).Don't be fooled by car dealer's offering super low rates.  Check with the credit union after the dealer has quoted you a monthly payment.  Compare our monthly payment to the dealers for accurate information.  The credit union also provides loan protection insurance up to  $30,000.  This insurance is provided as a benefit to our members and will pay the loan in the event of death or permanent disability of the primary member. 

Our competitive rates let you get into that used vehicle without a hassle. Previously owned cars can be a good bargain.  The credit union will finance up to 100% of NADA retail value of the vehicle adjusted for mileage only.

Got that urge for a relaxing camping trip? How about sailing across the lake? Or maybe you're just  looking to cruise down the highway! The credit union is the place to go for special purpose vehicle  loans. We offer up to 100% MSRP financing on new vehicles and NADA book value on  used vehicles. Call for details.  ALL new and used auto rates apply to boats, campers, and motorcyles.