*APR = Annual Percentage Rate. Maximum APR: 18%. Not all applicants will qualify, subject to credit approval. Additional terms & conditions may apply. The actual rate may vary based on credit worthiness and term. Rates, terms, and conditions are subject to change. The .50% discount applies to only approved loans and is applicable on applications received through 10/31/2024 at 12:00 a.m. Payment example: $35,000.00 borrowed for a 72-month term at an APR of 6.25% = 72 Monthly Payments of $584.00, with total interest of $7,062.00 paid. Ridgedale Federal Credit Union membership and a minimum balance of $100 is required to apply for a loan. All documents including proof of income must be accepted by the Lending Department for a decision.