Secured & Unsecured Loan Rates

TYPE	DESCRIPTION	AS LOW AS *APY%	TERM	COMMENT
Share Certificate (CD) Secured	Share Certificate Secured	1.75%	Life of Certificate	1.75% above the dividend rate. 90% of current value up to 60 months.
Share Secured	100% Secured	1.75%	36 Months	1.75% above the dividend rate. 90% of current value up to 60 months.
Stock Secured	NYSE 75% of Current Value	3.00%	36 Months	BP Stock 80% of current value up to 60 months.
Line of Credit	No Collateral Required	8.90%	Revolving	-
Personal Loan	No Collateral Required	6.75%	12 Months	-
Personal Loan	No Collateral Required	7.75%	24 Months	-
Personal Loan	No Collateral Required	8.75%	36 Months	-
Personal Loan	No Collateral Required	9.75%	48 Months	-
Personal Loan	No Collateral Required	10.75%	60 Months	-
Vacant Land/Lot	Unimproved (Raw) Land	5.25%	60 Months	As low as 10% down **
Vacant Land/Lot	Unimproved (Raw) Land	5.75%	120 Months	As low as 10% down **
Vacant Land/Lot	Unimproved (Raw) Land	6.25%	180 Months	As low as 10% down **
Vacant Land/Lot	Unimproved (Raw) Land	6.75%	240 Months	As low as 10% down **

**Down payment based on risk analysis which consist of financial history and credit score.