Bloomfield St: (814) 262-9117       Vine St: (814) 539-5697       M-TH 8:30-4:30 Fri 8:30-6:00

Loan Types and Rates

Vehicle Loans

(Annual Percentage Rate)
Payment per $1000,
per month (60 mo.)
New 2023 & 2022 (Includes motorcycles)Starting at 4.49%*$18.64
Used 2021-2017 (Includes motorcycles)Starting at 5.49%*$19.10
Older Used Autos 2016-2012Starting at 7.49*$20.03
Recreational VehiclesStarting at 7.25%*$19.92

Signature / Personal Loans

Grade*APR (Annual Percentage Rate)
Grade “A” (680+) Credit – 60 Monthsas low as 9.75%
Grade “B” (640-679) Credit – 60 Monthsas low as 10.75%
Grade “C” (600-639) Credit – 60 Monthsas low as 11.90%
Grade “D” (550-599) Credit – 48 Monthsas low as 14.90%
Grade “E” (-549) Credit – 48 Monthsas low as 18.00%

Share Secured Loans

Type*APR (Annual Percentage Rate)
Share Secured3.00%
Above rate of share or share certificate being pledged

Home Equity Loans

TermAPR (Annual Percentage Rate)
5 Year4.75%
10 Year5.25%
15 Year5.50%
$200 Application fee. Approximate closing costs $500 (appraisal, title exam, payoff processing fee-other institution, loan cancellation fee and recording fee.)
80% of appraised value – rates not based on credit score
$15,000 minimum
Member Pays all costs
Fixed rates (not based on credit score)
Up to 5 years
No more than 15% over APOR
Call for additional rates and terms

Home Equity Line of Credit

Line of CreditAPR (Annual Percentage Rate)
80% of appraised valueNo more than 15% over APOR
Member pays all costs
Adjustable rate based on the prime lending rate
Rate adjusted twice a year
  • *Rates are based on credit score
  • All Rates Subject To Change Without Notice
  • All loans subject to credit approval
  • Other conditions may apply
  • Annual Percentage Rate, terms of loan, and loan to value are all subject to applicant(s) credit worthiness.
  • There are no prepaid finance charges
  • Application fee of $100.00 for mortgages and $5.00 for all others applies.
  • A late payment fee of 5% of the payment amount applies to any payment more than 15 days past the due date


*Introductory Rate: 0% APR for 6 months (Rate increases to 15% APR if account goes 3/30 or 1/60)

FunctionInterest Charge
Balance Transfers10.00%
Cash Advances13.50%