85 Liberty Street
Thomasville, GA 31757
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| Members are invited to visit our new full service Lending Center at 85 Liberty Street (behind Zaxby’s) or apply for loans online or call 229-584-1082. | |
| We always encourage members to shop Thomasville merchants and finance new or existing debts with us for low rates, excellent terms, and convenient payroll deduction payments. |
"BIG Rate" discounts may be offered for secured loans to members who qualify!
DISCOUNT GUIDELINES: for secured Loans
| BEACON 650 - 749 or BEACON > 749 L/V < 85% D R < 42% MBR 5 YRS + EMP 5 YRS + |
0.50% 1.00% 0.50% 0.50% 0.50% 0.50% |
Secured Loan Rates
Non-numeric values will cause errors. This free script provided by
Website Abstraction
NEW VEHICLES: |
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|---|---|---|
| Approximate Term | Daily Periodic Rate | Annual Percentage Rate |
| 24 Months | .016438% | 5.25% apr |
| 36 Months | .017123% | 5.50% apr |
| 48 Months | .017808% | 5.75% apr |
| 60 Months | .018493% | 6.00% apr ($10,000+) |
| 72 Months | .019178% | 6.25% apr ($20,000+) |
| (Down Payment Guidelines - 10% Down) | ||
USED VEHICLES & MOTORCYCLES: (One to Three Years Old) |
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|---|---|---|
| Approximate Term | Daily Periodic Rate | Annual Percentage Rate |
| 24 Months | .019178% | 6.25% apr |
| 36 Months | .020547% | 6.75% apr |
| 48 Months | .021917% | 7.25% apr |
| 60 Months | .023288% | 7.75% apr (>$20,000.00) |
| (Down Payment Guideline - 15% Down) | ||
USED VEHICLES & MOTORCYCLES: (Four to Six Years Old) |
||
|---|---|---|
| Approximate Term | Daily Periodic Rate | Annual Percentage Rate |
| 24 Months | .021917% | 7.25% apr |
| 36 Months | .023287% | 7.75% apr |
| 48 Months | .024657% | 8.25% apr |
| (Down Payment Guideline - 15% Down) | ||
USED VEHICLES & MOTORCYCLES: (Seven to Eight Years Old) |
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|---|---|---|
| Approximate Term | Daily Periodic Rate | Annual Percentage Rate |
| 12 Months | .021917% | 7.25% apr |
| 24 Months | .024657% | 8.25% apr |
| 36 Months | .027397% | 9.25% apr |
| (Down Payment Guideline - 20% Down) | ||
OLDER VEHICLES: ( >9 years old ) |
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|---|---|---|
| Approximate Term | Daily Periodic Rate | Annual Percentage Rate |
| 12 Months | .028767% | 10.50% apr |
| 24 Months | .030137% | 11.00% apr |
| 36 Months * | .031507% | 11.50% apr |
| * (Balance > $5,000) | ||
NEW BOATS AND RECREATIONAL VEHICLE: |
||
|---|---|---|
| Approximate Term | Daily Periodic Rate | Annual Percentage Rate |
| 24 Months | .019178% | 6.25% apr |
| 36 Months | .019863% | 6.50% apr |
| 48 Months | .020547% | 6.75% apr |
| 60 Months* | .021232% | 7.00% apr |
| 72 Months** | .021917% | 7.25% apr |
| * (60 Months, $10,000+) ** (72 Months, $20,000+) | ||
USED BOATS AND RECREATIONAL VEHICLE: |
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|---|---|---|
| Approximate Term | Daily Periodic Rate | Annual Percentage Rate |
| 12 Months | .024657% | 8.25% apr |
| 24 Months | .025342% | 8.50% apr |
| 36 Months | .026027% | 8.75% apr |
MISCELLANEOUS COLLATERAL: (Tractors, Lawn Mowers, Campers, Trailers, Etc.) |
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|---|---|---|
| Approximate Term | Daily Periodic Rate | Annual Percentage Rate |
| 24 Months | .032191% | 11.00% apr |
| 36 Months | .034931% | 12.00% apr |
| (>$2,500.00) | ||
| 24 Months | .022603% | 7.50% apr |
| 36 Months | .023288% | 7.75% apr |
| 48 Months | .023973% | 8.00% apr |
COMPUTERS: |
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|---|---|---|
| Approximate Term | Daily Periodic Rate | Annual Percentage Rate |
| 24 Months | .023287% | 7.75% apr |
| 36 Months | .026027% | 8.75% apr |
SMART START STUDENT LOAN: |
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|---|---|---|
| Approximate Term | Daily Periodic Rate | Annual Percentage Rate |
| SMART START STUDENT LOAN | .024657% | 8.00% apr |
Light-side Credit Card Loan: |
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|---|---|---|
| Approximate Term | Daily Periodic Rate | Annual Percentage Rate |
| 24 Months | .026000% | 9.49% apr |
| 36 Months | .028739% | 10.49% apr |
| (Individual up to $5,000.00) - (Joint up to $10,000.00) | ||
Line Of Credit/Share Draft Overdraft: |
||
|---|---|---|
| Approximate Term | Daily Periodic Rate | Annual Percentage Rate |
| Beacon Score 600-699 | .031506% | 10.50% apr |
| Beacon Score 700-799 | .028767% | 9.50% apr |
| Beacon Score 800 & up | .026027% | 8.50% apr |
| (Minimum payment: 5% of balance owed after advance but not less than $20 per month) | ||
OTHER LOANS: |
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|---|---|---|
| Type of Loan | Daily Periodic Rate | Annual Percentage Rate |
| Signature Loan | .042465% | 14.50% apr |
| Share Secured Loan | .015068% | 4.00% apr |
| CD Secured Loan | - - - | CD rate + 2% |
| (Minimum payment: 5% of balance owed after advance but not less than $20 per month) | ||
VARIOUS REAL ESTATE LOANS: |
|
| VARIOUS RESIDENTIAL AND NON RESIDENTIAL REAL ESTATE LOANS ARE ALSO
OFFERED. PLEASE CONTACT US AT (229) 584-1082 AND ASK FOR LEE BRYANT. THANK YOU |
Late Charges: If your payment is 30 days late or more, you will be required to pay a late charge of 15% of the unpaid finance charge or a minimum of $5.00.
Collection Costs:You agree to pay all costs of colleting the amount you owe under this Agreement, including court costs and reasonable attorney fees, not in excess of 15% of the unpaid debt.
Note: Contact the Credit Union for additional terms, downpayment requirements, and other conditions.
All rates subject to change. Contact the office at 229-228-9826.