(814) 452-5743 Monday – Friday: 7am – 4pm

Savings and Loan Rates



New Car / Motorcycle / ATV Loans
Amount Financed Either 100% of NADA retail value, or the purchase price - whichever is lower.
Payback 36 months 48 months 60 months 72 months
Finance Rate 2.74% 3.35% 3.49% 4.00%
Car loans can be re-financed at current new car rates within 3 months of original loan.
Pre-Approval: New car loans can be pre-approved for up to 90 days.


Used Car / Motorcycle / ATV Loans (1 - 2 years old)
Amount Financed Either 100% of NADA retail value (plus or minus for mileage), or the purchase price - whichever is lower.
Model Year 2014 - 2015 2014 - 2015 2014 - 2015 2014 - 2015
Payback 36 months 48 months 60 months 72 months
Finance Rate 3.50% 3.50% 4.00% 4.25%


Used Car / Motorcycle / ATV Loans (3 - 4 years old)
Amount Financed Either 100% of NADA retail value (plus or minus for mileage), or the purchase price - whichever is lower.
Model Year 2010 - 2013 2010 - 2013 2010 - 2013
Payback 36 months 48 months 60 months
Finance Rate 4.25% 4.50% 4.75%


Camping Trailer / Tractor / Boat Loan
Amount Financed New 100% of sales order New 100% of appraisal
Payback 10 years 7 years (must be a minimum $1,000/year)
Finance Rate 7.75% 8.00%
Older than 2010 will be at personal loan rate/terms.


Second Mortgage Loans
Amount Financed: 80% of Appraisal minus current mortgage balance equals equity.
Payback 15 years (minimum of $10,000) 60 months 84 months 120 months 180 months
Finance Rate - 2.99% 4.25% 4.25% 4.99%
Education Loans
k – 12 Grades only NO Post-secondary educational institutions allowed. Checks made payable to school.
Payback 12 months
Finance Rate 4.99%
$7,500 limit. Higher amounts with board approval.


Personal Loans
Max Amount $10,000
Minimum $300.00
Payback 72 months maximum
Finance Rate 10%
Members are limited to one(1) personal loan which cannot be refinanced within 90 days of issue. An exception can be made before 90 days but a loan refinance fee of $25.00 will be charged.


Personal Unsecured Loans
Amount Borrowed $1,000 - $1,500 $1,501 - $2,000 $2,001 - $3,000 $3,001 - $5,000 $5,001 - $10,000
Maximum Payback Terms 18 months 24 months 30 months 36 months 72 months
Bi-weekly Payroll Deduction - Loan Payback
1 year - 26 pays 2 years - 52 pays 3 years - 78 pays 4 years - 104 pays 5 years - 130 pays 6 years - 156 pays
Share Secured Loans
Must be 100% Share Secured at an interest rate of 5.0%. Maximum payback is 84 months or less.