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*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. Payment Example: $30,000 borrowed at an APR of 5.75% for 36 months = monthly payments of $909.26. Ridgedale Federal Credit Union membership and a minimum balance of $100 is required to apply for a loan is required. All documents including proof of income must be accepted by the lending department for a decision. Minimum savings balance of $100 is required to be eligible for a loan. See credit union for details.