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Years of Membership	Maximum Unsecured Loan Limits
Less Than1 Year	$0.00
1 - 3 Years	$2,000.00
3 - 5 Years	$3,000.00
5 or More Years	$6,000.00

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A Total of all unsecured loans can not be over 6,000.00 to any one member. Unsecured loans consist of: Signature, Christmas and Student. All rates are applicable for debt to income ratio's not exceeding 45.0% on Payroll Deduction Loans. Ratio's over the 45.0% - 49.9% Debt to Income Ratio; will be taken to the Credit Committee and 1/4% will be added for each 1% over the 45.0%, if loan is approved. Ratio's 50.0% - Above will be taken to the Credit & Collections Committee and/or Board of Directors and 1/2% will be added for each 1% over the 50.0% , if the loan is approved.

Any unsatisfied collections, suits, liens or judgements pertaining to leases or loans (autos, residential, revolving credit, etc.) within the past 12 months will be submitted to the Credit & Collection Committee for approval.

A Total of all unsecured loans can not be over 6,000.00 to any one member. Unsecured loans consist of: Signature, Christmas and Student. All rates are applicable for debt to income ratio's not exceeding 40.0% on Monthly Payment Loans. Ratio's up to 41.0% - 50.0% Debt to Income Ratio; will be taken to the Credit Committee and 1/4% will be added for each 1% over the 41.0%, if loan is approved.

Any unsatisfied collections, suits, liens or judgements pertaining to leases or loans (autos, residential, revolving credit, etc.) within the past 12 months will be submitted to the Credit & Collection Committee for approval.

The above rates are for direct payments with include payroll deduction and ach payments. For non-direct payments, 1% will be added to the above stated rates.   Members that have less than 30% debt to income ratio, no collections, no late payments within the past 2 years, no bankruptcy, and no judgments qualify for a 1% less than stated rates above for collateral loans and 3% less than stated rates above for signature loans.