Other Secured

	APR
Share Secured Advances
100% secured	3.00% above current share rate
50% secured	6.00% above current share rate
Certificate Secured Advances – 3.00% above the current certificate rate. Rate subject to change based on new rate of Share Certificate at new maturity.

The Annual Percentage Rate you receive is determined by your credit history and other underwriting factors. Please ask a loan representative about your qualifying rate.

Payment: Your payment will be determined at the time of the advance and will be disclosed on the voucher accompanying your advance. However, your minimum payment will never be less than $25.00 per month.

Late Charge: After 15 days from the due date, the late charge will be 5% of your payment.

Collection Costs: You agree to pay all costs of collection to include 25% attorney fees, court fees, and any other expenses incurred in the collection of the amount due.

Discount:	.25% discount off current loan APR for qualified members on “automatic loan payment.”
	.25% discount off current loan APR for qualified members who have a Connects credit card in good standing.
	(Discounts do not apply to lines of credit and credit cards.)