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Home Improvement Loan Disclosures & Details

The current prime rate is: 6.25%. Rates effective as of November 22, 2022. Rates subject to change at any time.


Minimum approval of $500 required. Granting this offer, after you respond to it, is conditioned upon your  satisfying any applicable criteria bearing on your creditworthiness, including income, employment and any other  information you may provide on your application. Because this is a special one-time promotional rate, Co-op Points are not available to lower rate.

•§ Maximum term for home heating is 12 months, unless a Secondary Share Account has been established to pay for the following years heating expenses.

•Total amount of all unsecured loans and lines of credit may not exceed $50,000 per member.

• Payment examples: 5.75% for 36 months equals $30.31 per $1,000 borrowed.


Home Improvement Loans carry a lower interest rate than our Personal Unsecured Loans because they are for the specific purpose of permanently improving your home. The amount available may be up to $15,000, with a repayment period of up to seven years. Available home equity is not required, and a lien is not placed against the home.

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