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Disclosures

Auto and Personal Loans

APR stands for Annual Percentage Rate
-Effective, 1/1/2024
-Loans are subject to credit approval, not all applications will qualify.
-All loan rates are stated as annual percentage rates and are subject to change.
-Membership is required.
-A $40 VSI Insurance finance charge on all motor vehicle loans.

Loan Payment Example:
A $20,000 loan with a rate of 4.99% APR for 60 months will generate a monthly payment of approximately $377.37. No insurance included.

Home Equity Loans and Lines of Credit

APR stands for Annual Percentage Rate
-Effective, 1/1/2024 – all rates are subject to change.
-Credit is subject to approval, not all applicants will qualify.
-A home equity line of credit or loan is secured by a first or second mortgage lien on your home, which must be one-to-four family residential real estate. The minimum line of credit/loan amount is $10,000, and the maximum line of credit/loan amount is $350,000. First advance is $1,000.00 and $500.00 minimum required thereafter. Loan fees and closing costs vary up to $1000. Flood and /or property hazard insurance may be required. Other restrictions may apply.
-An appraisal may be required. Appraisal fees vary from $525 or higher.

Sample Payment:
A $50,000 home equity loan with a rate of 4% APR for 180 months will generate a monthly payment of approximately $369.94. Insurances and Taxes not included.