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Loans & Credit Cards

Personal Loans

An important factor when taking out a Personal Loan is how much you can afford to pay each month. To determine your monthly payment you would need the loan amount, interest rate, and the number of years of the loan.

Personal Loan	Fixed-Rate Borrow up to $40,000 1 - 5 year repayment period
Personal Line of Credit	Variable-rate, revolving line of credit 36 month draw period Apply for $500 to $40,000
Share-Secured Loan	Share Account is collateral Borrow up to 100% of available funds Terms up to 60 months
Certificate-Secured Loan	Certificate is collateral Borrow up to 100% of available funds Term is equal to the date the loan is funded to maturity of the certificate

There are two types of insurance protection: Credit Disability Insurance and Loan Protection Insurance. Credit Disability Insurance is designed to make payments to your Sperry Loans in the event of temporary disability. Loan Protection Insurance pays off your Sperry Consumer Loans and Equity Express Loans to a combined total of $200,000 in the event of death before age 70 or permanent disability prior to age 66.