Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Program, rates, terms and conditions are subject to change without notice. Membership requirements apply. *Annual Percentage Rate | Introductory rate as low as 4.99% APR is fixed for the first six (6) months. Applicable rates apply after the introductory period. Rates listed are our best rates based on credit approval and our lending requirements. Actual interest offered may be higher depending on applicant’s credit rating and other underwriting factors. APR will vary depending on individual credit history. Annual Percentage Rate as low as Prime + 0%. Rates are variable and based on Prime as published in The Wall Street Journal, with a ceiling of 18.00%. The current variable APR as of December 19, 2024 is 7.50%.**If loan is closed within first 24 months, borrower will reimburse the credit union for closing costs. Minimum $10,000 initial advance. ***Property must be primary residence and located in the state of Georgia. Neither modular, nor mobile homes are eligible. Equal Opportunity Lender.