Choose your site preferences:
Loans
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. That is where our experienced loan officers and great rates come in. We will work with you to find the right loan for you and your budget.
First Mortgage
Decatur Earthmover currently offers three different 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 offer first mortgages with the following terms:
15 year fixed rate
25 year fixed rate
7/23 year balloon
APR: as low as 6.000%
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 one of our experienced loan staff to see which loan is right for you.
APR: as low as 3.300%
Personal Loans
Personal loans are unsecured loans requiring no collateral. We will loan up to $5,000 on a signature loan, depending upon your credit report and income.
Signature Loan
Our signature loans meet your smaller borrowing needs without the need for collateral. Terms as long as three years available.
APR: as low as 11.90%
Student Loan
Did your books cost more than expected or tuition costs rise from 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.
APR: as low as 8.00%
Vehicle Loan
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 help you buy your next boat, RV or camper too. We offer terms up to 72 months on most vehicles. Longer terms are available on some boats and RVs.
APR: as low as 3.90%
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 now at a lower interest rate. 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.
Driving Sense Loan
If you typically lease your vehicles or trade them in frequently, our Driving Sense Loan may be just what you need. Enjoy the benefits of a lease (lower payments and walk-away at the end) without the high down payment or early termination fees. Our knowledgeable loan staff can help you determine if your next loan should be a Driving Sense Loan.