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In a perfect world you would be able to buy everything with cash, but the reality is that most of us need to borrow money for the bigger expenses in life. This is where our experienced loan officers and great rates come into play. We will work with you to find the right loan for you and your budget.
Decatur Earthmover currently offers mortgage terms to help you get the payment that fits your budget. Best of all, we approve the loans locally and your loan stays with us!
We currently offer first mortgages with the following term:
5/25 year balloons
10 year fixed rates
15 year fixed rates
20 year fixed rates
25 year fixed rates
APR: as low as 3.000%
Home Equity Loan
Home equity loans let you take advantage of the value you have invested in your home. We offer low rate fixed loans as well as home equity line of credit loans. Talk to our experienced staff to see which loan is right for you.
APR: as low as 3.990%
Our signature loans meet your smaller borrowing needs without the need for collateral. Terms as long as three years are available.
APR: as low as 8.90%
Did your books cost more than expected? Did tuition costs rise since last semester? Get a Decatur Earthmover student loan to make up the difference. Loans are available to eligible members looking to complete their graduate or post graduate degree. Click here to see Student Loan Guidelines.
APR: as low as 8.00%
If you can drive it, we can loan you money on it. We love to help our members get the next car of their dreams. Maybe you prefer to get around on two wheels instead of four; come see us for your next motorcycle loan. If you are thinking along the lines of fun in the sun, we can also help you buy your next boat, RV, or camper. We offer terms up to 72 months on most vehicles. Longer terms are available on some boats and RVs.
APR: as low as 1.75%
Stock Secured Loan
Need cash now, but don't want to sell your publicly traded stock? Retain ownership of your stock while still getting the money you need. Stock secured loans are available with terms up to 60 months.
APR: as low as 6.50%
Auto Equity Loan
Our auto equity loan combines a traditional auto loan with a home equity loan. Most people who itemize on their taxes are able to then deduct the interest paid on their auto equity loan. Talk to your tax advisor to make sure you can benefit, then call our loan staff for more information.