*APR= Annual Percentage Rate. Must be a member in good standing in order to qualify for this offer. Effective 11-01-2019 through 12-31-2019. All rates and limits based on creditworthiness. Must meet lending criteria. Lowest possible rate 6.50% APR* (annual percentage rate). Does not qualify for any additional rate reductions. Maximum term 60 months. Estimated monthly payment on $1000.00 at 6.50% APR for 12 months is $86.31. Estimated monthly payment per $1000.00 at 7.50% APR for 60 months is $20.05. Personal Loans completed 11-01-2019 through 12-31-2019 will automatically be entered to win a $100.00 VISA Gift Card. 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. Federal Insured By NCUA.