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Funds Disbursement Lump sum.
Interest Rate Fixed rate and a fixed payment for the life of the loan.
Terms Maximum of 180 months.
Lot Loans Lot loans are also available. Apply online or ask our branch staff.
Benefits Interest may be tax deductible. Monthly payment amount is locked for the life of the loan.
Funds Disbursement Revolving line of credit. Draw what you need when you need it. Draw period is the initial 120 months.
Interest Rate Adjustable rate, subject to adjustment with changes to the Prime Rate. Monthly payments during the first 120 months can be for interest only or 1% of the outstanding statement balance. When draw period expires, monthly payments increase to include principal plus interest for the next 120 months.
Terms 240 months: Members may take advances during the first 120-month draw period and are required to make monthly payments based on the balance of the credit line. Once the draw period ends, members repay the balance of the credit line based on a 120-month amortized schedule.
Benefits Interest may be tax deductible. Useful when unsure of how much will be needed upfront.