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 4.00% 12 Months -
Personal Loan No Collateral Required 5.00% 24 Months -
Personal Loan No Collateral Required 6.00% 36 Months -
Personal Loan No Collateral Required 7.00% 48 Months -
Personal Loan No Collateral Required 8.00% 60 Months -
Vacant Land/Lot Unimproved (Raw) Land 5.00% 60 Months As low as 10% down **
Vacant Land/Lot Unimproved (Raw) Land 5.50% 120 Months As low as 10% down **
Vacant Land/Lot Unimproved (Raw) Land 6.00% 180 Months As low as 10% down **
Vacant Land/Lot Unimproved (Raw) Land 6.50% 240 Months As low as 10% down **

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

  • *Annual Percentage Rate
  • Effective Date: 03/19/2020 - rates are subject to change without notice
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