| Auto/Vehicle Loans | ||
| Effective Date: 9/3/2024 | ||
| Loan Type | Approx. Term | APR* |
| New Vehicle | Up to 84 months | 5.49% to 17.99% |
| Used Vehicle | Up to 84 months | 5.49% to 17.99% |
| Classic Vehicle | Up to 60 months | 7.99% to 16.99% |
| New and Used Motorcycle | Up to 72 months | 6.24% to 17.99% |
| Miscellaneous Collateral (New or Used) | Up to 60 months | 8.99% to 15.99% |
| Boats, Motor Homes, Travel Trailers, Airplanes (New or Used) | Up to 144 Months | 6.49% to 17.99% |
Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan. | ||
| Personal Loans | ||
| Effective Date: 8/1/2020 | ||
| Loan Type | Approx. Term | APR* |
| Miscellaneous Collateral (Appliances, computers, etc.) |
Up to 60 months | 8.99% to 15.99% |
| Lifestyle Loan (Perfect for enhancing your lifestyle) |
Up to 60 months | 9.95% to 18.00% |
| Lifestyle Credit Line | Up to 60 months | 9.95% to 18.00% |
| Share Secured (Borrow against the funds in your account) |
Up to 60 months | 3.99% |
| Certificate Secured (Borrow against your Credit Union CD) |
Duration of CD | Rate of certificate plus 2.00% |
| Christmas/Holiday Loan (Available October - February) |
12 months | 10.00% |
| Vacation/Summer/Back-to-School Loan (Available April - September) |
12 months | 10.00% |
| Debt Consolidation Loan | Up to 60 months | As low as 7.95% |
| Credit Builder Loan | Up to 60 months | As low as 10.00% |
The annual percentage rate you pay will be based on the number of months your loan is financed, the loan type and your credit history. The APR will be disclosed prior to an advance being made on a loan. Loan terms may vary based on value and type of collateral. *APR=Annual Percentage Rate. Equal Housing Lender. All rates are subject to change without notice. For complete terms and conditions, click here to email or contact a Call Center Representative at (877) 434-6328 or locally at (850) 434-2211. | ||
| Credit Cards | ||
| Credit Card Type/Program | Visa Rewards (With Annual Fee) | Visa Rewards (Without Annual Fee) |
| Annual Percentage Rate for Purchases | 10.9% | 12.9% |
| Cash Advance Annual Percentage Rate | 10.9% | 12.9% |
| Balance Transfer Annual Percentage Rate | 10.9% | 12.9% |
| Grace Period For Repayment of the Purchase Balance | 25 Days | 25 Days |
| Method of Computing Finance Charges (or Interest) for Purchases (Including New Purchase) | Average Daily Balance | Average Daily Balance |
| Purchase Rewards | 1 Point For Every $1 Spent | 1 Point For Every $1 Spent |
| Annual Fee | $12 | None |
APR = Annual Percentage Rate. Rates and terms are based on individual credit worthiness. Rates are subject to change without notice. For our complete credit card disclosure, click here. | ||
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