*APR= Annual Percentage Rate. Must be a member in good standing in order to qualify for this offer. Effective 05-1-2018 through 05-31-2018. All rates and limits based on creditworthiness. Must meet lending criteria. Lowest possible rate 5.75% APR* (annual percentage rate). Does not qualify for any additional rate reductions. Maximum term 60 months. Estimated monthly payment per $1000.00 at 5.75% APR for 12 months is $85.96, per $1000.00 at 6.75% APR for 12 months is $86.42. Rates, terms, and conditions are subject to change without notice. Membership eligibility required. Certain restrictions apply. Call the loan department (814-899-6608) for more information about Personal Loans and all your lending needs.