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

24-Hour Telephone Teller



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Loan Rates Share Rates Investment Rates Fee Schedule

Effective as of: August 13, 2018
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 an $85 Loan Processing Fee
Loan TypeTermAPR* as low as
Vehicles2012 - 201836 -50 Months3.96%
51 - 62 Months4.19%
$15,000 or more63 - 74 Months4.56%
$25,000 or more75 - 85 Months5.05%
$50,000 or more86 - 92 Months5.49%
Used Vehicles2006-2011up to 36 Months5.18%
37 - 50 Months5.79%
51 - 62 Months5.96%
Older Vehicles - Less than $20,000up to 36 Month5.39%
More than 12 years old$20,000 or More37 - 50 Months6.29%
Approval by CEOLonger TermsTBD by age of vehicle6.99%
Over $50,000up to 180 Months6.74%
$31,000 - $49,999up to 144 Months6.07%
$15,000 - $30,999up to 84 Months5.84%
Less than $15,000up to 60 Month5.56%
New Jet Skisup to 72 Months6.99%
Used Jet Skis5 years old or less60 Months6.29%
New Farm Equipment36-48 months6.19%
$10,000 or more60 months6.49%
$20,000 or more72 months6.79%
$30,000 or more120 months7.49%
Used Farm Equipment10 years or less36-48 months7.69%
$20,000 or more60 months7.99%
New Mtr. Cycles $15,000 or more61-72 month8.35%
up to 60 months7.45%
New Four Wheelersup to 60 months7.55%
Used Mtr. Cycles 2 years old or less48 months7.99%
3-5 years old42 months8.19%
6-8 years old36 months8.45%
New Recreational Vehicles$20,000 or less36-72 months5.69%
up to $50,000144 months6.39%
$50,000 or more180 months6.49%
Used Recreational Vehicles$20,000 or less36-60 months6.49%
up to $50,00084 months6.79%
$50,000 or mo120 months6.99%
Personal LoansOverdraftvaries12.99%
Signature60 months or less - 2% with only savings9.99%
Line of Credit60 months or less - 2% with only savings9.99%
Mortgage Rates
Loan TypeTermAPR* as low as
In-house nonconformingMin loan $35,0008-12 years4.09%
Min loan $50,00013-15 years4.39%
Min loan $75,00016-18 years4.59%
***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
Home Equity Loanup to 5 years4.99%
6-10 years5.09%
11-12 years5.29%
Minimum Loan $25,00013-15 years5.39%
***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
Improved-Subdivision80% of appraisal (650-674 credit score )60 months5.39%
85% of appraisal (675-699 credit score) up to 120 months5.79%
90% of appraisal (700 credit score)up to 180 months6.19%
Unimproved-Acreage75% of appraisal (650-699 credit score)60 months5.39%
80% of appraisal (700 credit score)up to 120 months5.79%
up to 180 months6.19%
Commercial Loans and MBLs
Real Estate15 yr. amortization Fixed60 months w/ balloonPr. .25 - 1.5
Ideal loans for this category are single family rental dwelling, duplex apts., or 4 plex apts.
Commercial EquipmentFixed60 months or lessPr. .25 - 2.0
Fixed61 - 120 monthsPr. .50 - 2.5
All Commercial Loans and MBLs will have a $250.00 Loan Processing Fee
VISA Credit Cards with UChoose Rewards
Card TypeAPR*
Platinum Rewardsearns UChoose Rewards9.90% APR
Gold Rewardsearns UChoose Rewards12.90% APR
Classic Rewardsearns UChoose Rewards14.90% APR
All collateral loans and unsecured loans (except lines of credit) will be charged an $85 loan processing fee. Non-Commercial real estate loans and Share Secured Loans will not be charged a fee. Add .75% if account only has a savings. Add .25% if account has savings and checking but no direct deposit.

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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