Phone: (706) 613-1644    Fast Track: (706) 613-5090

Rates effective for January 14, 2014 and are subject to change without notice.

Personal
As low as 7.90% APR* for qualified applicants.
 
Express Personal
12-12-12 $1200.00 12 Months 12.00% APR*
LUCKY 13 $1300.00 13 Months 13.00% APR*
14 for 14 $1400.00 14 Months 14.00% APR*
 
New or Used Auto
2010 - 2014 Up to 60 months As low as 3.90% APR*
2008 - 2009 Up to 54 months As low as 3.90% APR*
2005 - 2007 Up to 48 months As low as 3.90% APR*
2004 - Older Up to 36 months As low as 3.90% APR*
(All class IV vehicles may be financed up to 48 months)
 
New and Used Farm Equipment  
60 months 9.00% APR*
(Lawn Tractors with a minimum of 14 HP qualify for farm eqpt. rates)
 
New and Used Boats, Motorcycles, Campers, Recreational
2010 - 2014 60 months As low as 7.00% APR*
2008 - 2009 54 months As low as 7.00% APR*
2005 - 2007 48 months As low as 7.00% APR*
2004 - Older 36 months As low as 7.00% APR*
(New= 90% Financing from total invoice) (Used= 80% Financing from total invoice)
 
Life Insurance  
12 months 16.00% APR*
 
Auto Insurance  
12 months 18.00% APR*
 
Share Secured  
60 months 2.00% APR*
The annual Percentage Rate (APR) for share secured advances will be the dividend rate being paid on regular shares (Index) plus the percentage of 2.00% above index. If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire balance will be the new APR. The rates are subject to change quarterly on the first day of the quarter (January, April, July, October) to reflect any changes in the index. Any increase in the APR will take the form of more payments of the same amount until what you owe has been repaid.
 
Share Certificate Secured  
60 months 2.00% APR*
The annual Percentage Rate (APR) will be the dividend rate being paid on the Certificate offered as security (Index) plus the percentage of 2.00% above index. The Certificate must be renewed until the advance is completely paid. Failure to renew will result in default under the Plan. When the Certificate is renewed the APR will change to reflect the new dividend rate. Any increase in the APR will result in more payment of the same amount until what you owe has been repaid. The present annual percentage rate will be disclosed on the voucher at the time of the advance.
 
Mortgage Loan Rates  
5 year 3.50% APR*
7 year 3.75% APR*
*Home Equity LOC
Prime   + 1% up to Prime + 3%, based on credit score.
*Variable interest rate based on the Prime Rate; rates to be adjusted bi-annually in February & August on the anniversary date of the loan.  Ceiling and Floor rates will be reviewed and approved by the Board of Directors at least quarterly or more often in times of significant rate changes.  Current Floor rate is 4.0%, current ceiling is 18%.


*APR: Annual Percentage Rate

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