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Routing Number: 253177049
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Term Notes

We offer Closed-End Signature, Share-Secured, and Share Term Certificate-Secured (STC-Secured) Term Notes.1,2

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Short-term borrowing options

Term notes allow for short-term borrowing with a single payment of principal and interest due at the end of your loan term.

  • Signature Term Note

    Maximum original term: 6 months
    APR:3 11.75%
    Payment example: A loan amount of $5,000 for a 6-month term at 11.75% has one payment of $5,291.33.

  • Share-Secured Term Note

    Maximum original term: 6 months
    APR:3 6.50%
    Payment example: A loan amount of $5,000 for a 6-month term at 6.50% has one payment of $5,161.16.

  • STC-Secured Term Note

    Maximum original term: remaining term of STC
    APR:3 STC interest rate plus 2%, rounded up to nearest 0.25%

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  1. Members must be at least 18 years of age or otherwise eligible for lending services to apply. Lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee, and Virginia. Other restrictions apply.
  2. Funds in a Special STC Account cannot be used as collateral for a loan.
  3. APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate. Rates are subject to change prior to the completion of the loan. Your actual APR will be determined at the time of disbursement. If you qualify, we can give you a quote for the current rate and most loan documents can be signed electronically.