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Rates

Loan Rates

Rates Subject to change

*The following rates are base rates, and may vary depending on each individual's credit history and underwriting factors. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice.

New Vehicles (90% financing of retail +tag, tax, title)

Financing Term	Base Annual Percentage Rate*
24 months	2.93%
36 months	2.93%
48 months	2.93%
60 months	2.93%
72 months loans over $25,000	3.04%
100% financing - add an additional 0.75%* Add 0.25% per additional 6 months 73 mos - 84 mos (Annual Percentage Rate is same as 72 months. 84 minimum is $30,000.00) Rates as February 7, 2013

Used Vehicles (wholesale + tag, tax, title)

Age of Vehicle	Financing Term	Base Annual Percentage Rate*
Current Year	Same as new vehicle	-
1 year old	54 months	3.27%
2 year old	48 months	3.12%
3 year old	42 months	3.12%
4-5 year old	36 months	3.12%
6-7 year old	24 months	3.12%
Over 7 year old	18 months	3.12%
Luxury and Classic Cars Class IV & greater than $10,000	54 months	3.27%
100% financing - add an additional 0.75%* Add 0.25% per additional 6 months Classic vehicles are model years 1971 - 1991 (Maximum term for Classic Vehicles is 48 months) Rates as of February 8, 2013

Unsecured Loans (starting at $300)

Type	Loan Limits	Terms	Base Annual Percentrage Rate*
Signature	Less than $2,500 $2,500 - $10,000	24 months 36 months	as low as 6.00% as low as 6.00%

Visa Secured	$300 - $25,000		6.95%
Visa Platinum	$300 - $10,000 $300 - $10,000 $300 - $25,000 $5,000 - $25,000 $5,000 - $25,000		6.95% 12.00% 10.00% 8.00% 6.95%

Line of Credit	$300 - $25,000		as low as 6.00%

Secured Loans (starting at $300)

Type	Loan Criteria	Term	Base Annual Percentage Rate*
Shared Secured	Share dollars pledged	Up to 72 months	3% over share yield
Certificate Secured	Certificate dollars pledged	Certificate maturity	Certificate Yield + 2%
Other Collateral
Type	Loan Limits	Terms	Base Annual Percentage Rate
New / Used Motorcycles	Same as vehicles	Same as vehicles	Same as vehicles
New Boat	85% of purchase price	72 months	10.00%
Used Boats	NADA Loan value	60 months	10.00%
Motor Homes	NADA Trade/85% of purchase price	120 months	12.00%
All other collateral	Requires Appraisal	60 months	12.00%

Real Estate Loans

Type	Term (in months)	Annual Percentage Rate*
Second Mortgage (up to 5 years)	60	5.75%
Second Mortgage (over 5 years)	120 max	6.00%
Home Equity Line Of Credit Adjustable Rate	Amortized. 180/Draw 120	From Prime + 3.25%
Home Improvement ($5,000 or more)	36	13.50%