Effective 11-18-2019 through 11-22-2019. All rates and limits based on creditworthiness. Must meet lending criteria. Must be a member in good standing in order to qualify for this offer. Lowest possible rate 3.99% APR* (annual percentage rate). Maximum term 12 months. Estimated monthly payment on $1000.00 at 3.99% APR for 12 months is $85.16. Cash out 11-25-2015 through 11-27-2019. 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. Federally Insured By NCUA.