Loans

Great Rate + Great Term =
Fantastic Loan from your Credit Union!
All Rates Quoted as APR

Auto Loans

Untitled 2007 & 2008 Autos

% of sticker price financed

Used 2005 - 2008

% of NADA retail financed

Used 1998- 2004

% of NADA retail financed

	90%	100%
36 Months	8.00%	8.50%
42 Months	8.50%	9.00%
48 Months	9.50%	10.00%
See Special Rates for New Auto Loans!

Boats, Motors, and Trailers

90% of sticker price financed

Used Untitled 2008 - 120 Months

8.5%

Used 2004 - 2008	84 Months	9.5%	90% of NADA Retail
Used 1998 - 2003	48 Months	10.25%	90% of NADA Retail

Motor Homes, 5th Wheel, and RV Trailers

2008 Untitled	Up to 60 Months	8.5%	Up to $15,000	95% of Sticker Price
	Up to 96 Months	9.9%	$15,000 +	95% of Sticker Price

Used

Used 2004 - 2008	Up to 60 Months	10.50%	100% of NADA Loan Value
Used 1998 - 2003	Up to 48 Months	11.50%	100% of NADA Loan Value

Motorcycles

Untitled 2007 & 2008

% of sticker price financed

	90%	100%
36 Months	8.50%	8.75%
48 Months	9.00%	9.25%
60 Months	9.25%	9.50%
66 Months*	10.00%	10.25%
* minimum amount financed $20,000 Used 2005-2008 48 mos. Used 2002-2004 36 mos. Used 1998-2001 30 mos.	11.00% 12.00% 13.00%	90% of NADA Retail

Secured:

100% Share or Certificate Fixed at 3.00% over rate being earned on deposit

Signature
Min. of $200, Max. of $7,500	14.00% -- 18.00%

Visa

Platinum: 7.9%

Classic: 12.90%

Secured: 11.90%

Overdraft Plus

16.00%

Insurance	Cost per $100 of Your Monthly Loan Balance
Single Credit Disability	.305 cents
Single Credit Life	7.5 cents
Joint Credit Life	12.5 cents

		FILING FEE: If the credit union takes a security interest in your collateral, you will be charged a lien filing fee at the time of an advance. The amount of the filing fee will be based upon the amount of the fee required by state law for the credit union to obtain lien on your property. The amount of the fee will be disclosed on the voucher. NEGATIVE CREDIT: Rates will be 1% to 5% higher for poor credit worthiness, such as bankruptcy, charge-offs, collections, and repossessions. COLLECTION COST: You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees. PREFERRED RATE: If payroll deduction or automatic payment is discontinued, the APR will increase to the applicable rate and any increase in the rate will result in more payments of the same amount until what you owe has been repaid. LATE FEE: If you are more than 10 days late in making a payment, you will pay a late charge of 5% of the payment or a maximum of $25.00. NOTE: All loan rates are quoted as annual percentage rates and are subject to change by board action.
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