*Annual Percentage Rate. Rate is based upon score. Members with a score of 640 and above will receive 9.5% rate. Members with a score of 639 or below will receive 13.5%. All other credit union obligations must be current to qualify. Borrowers with a FICO score under 500 or with no credit score are not eligible. First payment for the loan may be set 45 days from the date of funding. Borrower must provide current proof of income. A new credit report will be pulled on every borrower. There is a $35 processing fee for all Holiday Loans. Other conditions apply.