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Term Notes

For short-term borrowing, the Credit Union offers many different term notes including unsecured, share, STC, vehicle or token. Rate and loan amount determined by the collateral held (if any).


3 Ways to Request a Term Note Loan
  1. Request at your local branch Loan Information Checklist
  2. Request via Member Access
  3. Request with our Contact Center (open 24 hours): (888) 732-8562 or (919) 857-2150

Term Note Specifications

  • % APR1 if share secured  Calculate Payment
  • STC interest rate plus 2%2 if STC secured  Calculate Payment
  • Closed-end, fixed-rate
  • Single payment of principal and interest made at maturity
  • Maximum original term of months
  • Lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia

1 APR = Annual Percentage Rate
2 STC Term Note rate is the Share Term Certificate interest rate plus 2% rounded up to the nearest ¼%.

Related Links

*Quoted rates, dividends, annual percentage yields (APY) and rates (APR) are subject to change daily at the discretion of the Board of Directors.