Payment is based on term of loan with a maximum term of 10 years
Payments can be made in branch, by phone, by mail, via online banking or direct deposit
The terms of repayment, which reflect the repayment obligations over the full term of the loan, incliding any balloon payment (i.e. 48 monthly payments of $22.20 per $1,000 borrowed. Rate 3% + saving dividend .15% = 3.15% APR)
Late payment charge (more than 10 days late): 20% of the interest due that month