Loans
Apply for a loan with YTR Community FCU!
See what loans YTR Community offers below.
| Loan Type |
|---|
| New Auto |
| Used Auto |
| Classic Car |
| Tractors/Lawn Mowers |
| Farm Equipment |
| Motorcycles |
| Boats/Trailers/ATVs & Dirt Bikes |
| Campers/RVs |
| Signature |
| Share Secured |
| Unsecured |
Student Loans
Wherever you are in your higher education, get the money you need for school.
Student loans from YTR Community in partnership with Sallie Mae® could help!
For borrowers attending a degree-granting institution.
Competitive interest rates
Multiple repayment options
No origination fees; no prepayment penalty
Smart Option Student Loan® for Undergraduate Students
Plus, the graduate loan suite is designed to meet the needs of students in specific fields of study. Find out which loan is right for you!
Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.
These loans are made by Sallie Mae Bank or a lender partner. YTR Community is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers. Smart Option Student Loan and graduate loan products: These loans are for students at participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend a participating school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident), and provide an unexpired government-issued photo ID to verify their identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.
© 2021 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.
Fee Schedule
| Checking/Share Draft Account | Amount |
|---|---|
| NSF fee | $30.00 |
| Returned Item fee | $30.00 |
| Stop Payment fee | $10.00 per request |
| Check Printing fee | Prices may vary depending upon style |
| Copy of Check fee | $5.00 if mailed |
| Copy of Check fee | $5.00 if faxed |
| Inquiry fee | $2.00 per check |
| Copy of Statement fee | $5.00 per month requested |
| Other Service Fees (applicable to all accounts) | Amount |
|---|---|
| Deposited Item Return fee | $15.00 |
| Wire Transfer (incoming) fee | $20.00 per transfer |
| Wire Transfer (outgoing) fee | $20.00 per transfer |
| Legal Process fee | $5.00 per item |
| Inactive Account fee | $5.00 per year after two (2) years |
| Account Reconciliation fee | $15.00 per hour on accounts older than six (6) months |
| Account Research fee | $20.00 per hour on accounts older than six (6) months |