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Loans Disclosure

Open Ended Loans

Visa Credit Cards

The following fees are charged per occurrence:

  • Late Payment fee -- $20.00
  • Card Replacement fee -- $10.00
  • Document Copy fee -- $2.00 for each sales draft
  • Return Check fee -- $29.00
Visa Debit Card

The following fees are charged per occurrence:
  • Overdraft fee -- $29.00
  • Card Replacement fee -- $10.00
Overdraft Protection Line of Credit

The following fee is charged per occurrence:
  • Transaction Transfer fee -- $15.00

Closed End Loans

New Mobile Homes

  • Up to 240 month term, finance up to 80% of purchase price not to exceed 100% of invoice price plus taxes, title, and applicable fees.
Used Mobile Homes
  • Up to 120 month term, finance up to 80% of NADA value plus taxes, title, and applicable fees.
  • Financing up to 36 months on non-NADA Homes up to 80% of appraised value plus taxes, title, and applicable fees.

Real Estate Mortgage Loans

  • First Lien Mortgages (Purchase Money)
    Financing is available for a term up to 30 years at 80% of the appraised value.
  • Second Lien Mortgages or First Lien nonpurchase money mortgages
    Financing is available for a term of up to 20 years at 80% of the appraised value less any first lien balance.

All mortgages are written to balloon and renew every three years. At each renewal date, the APR may increase at the then prevailing interest rate for mortgage loans.

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