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Daleville Branch
467 S. Daleville Ave.
PO Box 366
Daleville, AL 36322
334-598-6361
M-F 8:45 a.m. -12:30 p.m.
1:30 p.m. – 4:45 p.m.

Enterprise Branch
1108 Boll Weevil Circle
PO Box 311990
Enterprise, AL 36331
334-347-9000
M-F 8:45 a.m. – 4:45 p.m.

24-Hour Telephone Teller
855-344-7834

CREDIT CARD
ONLINE ACCESS


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Rates

Loan Rates Share Rates Investment Rates Fee Schedule

Effective as of: September 29, 2017
The rates shown are the most common rate charged to our borrowers.
Your rate will depend upon credit qualifications and approval.
Rates subject to change without notice. APR - Annual Percentage Rate
All Consumer Collateral Loans will be charged a $75 Loan Processing Charge.
LOAN RATES
Loan TypeTermAPR* as low as
Vehicles2012 - 201836 -55 Months2.79%
56 - 65 Months3.09%
$15,000 or more66 - 75 Months3.59%
$25,000 or more76 - 85 Months4.09%
$50,000 or more86 - 94 Months4.69%
Used Vehicles2005-201136 - 52 Months3.57%
53 - 63 Months4.07%
Older Vehicles - $20,000 or Over36-55 Months5.99%
More than 12 years oldLess than $20,000up to 48 Months5.89%
Approval by CEOTBD by age of vehicle
 
Boats
Over $50,000up to 180 Months6.00%
$25,000 - $49,999up to 144 Months5.75%
$15,000 - $24,999up to 72 Months5.50%
Less than $15,000up to 60 Month5.25%
 
New Jet Skisup to 72 Months5.50%
Used Jet Skis5 years or less60 Months6.10%
 
New Farm Equipment36-48 months5.50%
$10,000 or more60 months5.90%
$20,000 or more72 months6.4%
$30,000 or more120 months6.9%
Used Farm Equipment10 years or less36-48 months7.19%
$20,000 or more60 months7.79%
New Mtr. Cycles and 4-Wheelers48 - 60 months6.05%
Used Motor Cycles2 years old or less48 months6.10%
3-5 years old42 months6.20%
6-8 years old36 months6.35%
New Recreational Vehicles$20,000 or less36-72 months5.50%
up to $50,000144 months6.00%
over $50,000180 months6.05%
Used Recreational Vehicles$20,000 or less36-60 months5.70%
up to $50,00084 months6.10%
over $50,000120 months6.20%
Personal LoansOverdraftvaries12.99%
Signature60 months or less9.49%
Line of Credit60 months or less9.49%
 
Mortgage Rates
Loan TypeTermAPR* as low as
In-house nonconformingMin loan $35,0008-12 years3.69%
Min loan $50,00013-15 years3.99%
Min loan $75,00016-18 years4.09%
***Other Conditions: 80% of appraisal if score is 640 to 650 1% Origination Fee 85% of appraisal if score is 651 to 699 90% of appraisal if score is 700
Mobile Home w/LandMin loan $25,000up to 180 months1.00% above in-house rate
***Other Conditions: Origination Fee: 1%; 80% of Appraisal Value
Home Equity Loanup to 5 years4.75%
6-10 years4.75%
11-12 years4.75%
Minimum Loan $25,00013-15 years4.75%
***Other Conditions: 80% Appraisal - 650-699 CS; 85% Appraisal 700 CS;
Home Equity Line (HELOC)Min 1st draw $10,000; Other draws $500 min.up to 15 yearsWall St. Pr. to Float
Land
Improved-Subdivision80% of appraisal (650-674 credit score )60 months5.25%
85% of appraisal (675-699 credit score) up to 120 months5.70%
90% of appraisal (700 credit score)up to 180 months6.10%
Unimproved-Acreage75% of appraisal (650-699 credit score)60 months5.25%
80% of appraisal (700 credit score)up to 120 months5.65%
up to 180 months5.99%
VISA Credit Cards with UChoose Rewards
Card TypeAPR* as low as
Platinum Rewardsearns UChoose Rewards9.90% APR
Gold Rewardsearns UChoose Rewards11.90% APR
Classic Rewardsearns UChoose Rewards13.90% APR
All collateral loans and
unsecured loans (except lines of credit)
will be charged a
$75 adminstrative fee
RE Loans and Shares Secured
Loans will not have a fee. All loans rates are quoted with direct deposit and auto debit. Add .5% for no direct deposit and add .3% for no auto debit.
Pay Day Loans
Pay Day Loans - 625 credit score6 months18%
Commercial Loans
***Real Estate***60 months with balloon15 year amortFixed Pr .25 - 1.5
72 months with balloon20 year amort.Fixed Pr .50 - 2.0
Commercial Equipment61 - 120 monthsFixed Pr .50 - 2.5
60 months or lessFixed Pr .25 - 2.0
All Commercial Loans and MBLs will have a $250 administrative fee.
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Your savings federally insured to
at least $250,000 and backed by
the full faith and credit of the
United States Government Agency

National Credit Union Administration,
a U.S. Government Agency

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