Loan amounts up to $12,000.00 secured with shares equaling 1/3 of the original loan amount. Maximum term is five (5) years.

The interest rate is as low as 4% above the share rate at the time the loan is made. This loan is eligible to be refinanced to a lower rate only when the principal balance has decreased to the original pledged amount.   

VIP Plus Loans

Loans from $12,001.00 to $30,000.00. Secured with shares equaling 1/2 of the original loan amount. Maximum term is six (6) years.

Interest rate is as low as 5.0% above the share rate at the time the loan is made. This loan is eligible to be refinanced to a lower rate only when the principal balance has decreased to the original pledged amount.

Share Loans

Secured by 100% of the loan amount with your shares. Shares are released as principal is paid.

Interest rate is 2.50% above the highest regular share rate at the time the loan is made and may not be refinanced to a lower rate.

Maximum term is 10 years.