Loan Rates

Used auto rates apply to vehicles up to seven model years old. *APR = Annual Percentage Rate. Annual percentage rates, terms, and availability may differ based upon an evaluation of credit. Rates above are subject to change and are based on a 0.25% protection package discount requiring one of the following: subscription to Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation or opening of a new Neighbors checking account. Additional loan rates and terms may be available. Other restrictions may apply. ** 72-month term only available for vehicles over $15000. *** 78-month term only available for vehicles over $15000. **** 84-month term only available for vehicles over $35000.

*APR = Annual Percentage Rate. Annual percentage rates, terms and availability may differ based upon evaluation of credit. Rates above are subject to change. Rates are based on a 0.25% protection package discount requiring one of the following: subscription to Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation or opening of a new Neighbors checking account. Additional loan rates and terms may be available. Other restrictions may apply.

APR = Annual Percentage Rate

*Annual percentage rates (APR) quoted are subject to change. Interest rates may be higher based on an evaluation of your credit performance and a down payment may be required.
Penalty fees:
Late Charge - 5% of amount
Overdraft Advance - $4.00
Skip Payments - $30.00
How we will calculate your balance: We will use a balance computation method called "daily balance". See your Account Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.
Share Secured: The annual percentage rate (APR) for Share Secured advances will be the dividend rate being paid on Shares (Index) on the date of the advance, plus a margin of 2.50%. The rates are subject to change on the day the dividend rate being paid on Shares changes. The APR will never be less than 2.50%. The APR will never be greater than 18.00%. Any increase in the APR will result in higher payments.
Certificate Secured: The Annual Percentage Rate (APR) for Certificate Secured advances will be the dividend rate being paid on Certificates (Index) offered as security, plus a margin of 2.50%. The Certificate must be renewed until the advance is completely paid. When the Certificate is renewed, the APR will change to reflect the new dividend rate. The APR will never be less than 2.50%. The APR will never be greater than 18.00%. Any increase in the APR will result in higher payments.
Late Charge: If your installment payment is more than 30 days late, you will be charged a fee of 5% of the payment due.
Overdraft Advance: You will be charged $4.00 for an overdraft advance.
Collections Charge: You promise to pay all costs of collecting the amount you owe under this agreement, including court cost and reasonable attorney fees up to 33%.
Skip Payments: For qualifying members, you may apply for a skip at any time during the year with a maximum of 2 skips per 12 months. However, finance charges (interest) will continue to accrue during those months. Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. Please ask us for the rate that you qualify for.