Loan Rates

Rates are effective February 12, 2009

Secured Loans	APR
New Auto/Truck: 2009 models and 2008 models with 15,000 or less miles 95% of Sticker Price Over $24,000	7.00% 8.25%
Used Auto/Truck: 2009-2004 (over 15,000 miles) 2003 & older	8.00% 11.00%
New Recreational Vehicles: 90% of Sticker Price	8.00%
Used Recreational Vehicles: 100% of low NADA Official R.V. Appraisal Guide — 80% of Purchase Price	9.00%
New Boats: The Lesser of 80% of Sticker Price or 80% of Purchase Price	8.00%
Used Boats: 100% of NADA Marine Guide Loan Value	10.95%
Share Secured	6.00% min*
Share Secured Term Notes	6.00% min*
*Greater of 6% or 3% over current rate.
Risk-Based Lending: 1% over current published rates to a max. of 18%
Rates are subject to change.
See more on Auto Loans and Secured Loans.

Unsecured Loans	APR*
Signature	12.00% (12 mo) 13.00% (24 mo) 14.00% (36 mo)
Risk-Based Lending: 1% over Current Published Rates to a Maximum of 18%
Overdraft Protection: Up to $2500.00 Maximum 5% of Gross Annual Income	13.00%
Term Notes: $15.00 Fee $1,100.00 Minimum Up to $10,000.00 Maximum	12.00%
OTHER CHARGES: LATE CHARGE is applicable if you are more than 10 days late in making your payment. You will pay a late charge equal to 5% of your payment with a $5.00 minimum charge. FILING FEES are applicable and you will be charge a lien filing fee at the time of the advance if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain a lien on your property. The amount of the filing fee will be disclosed on the voucher. COLLECTION COSTS: To the extent permitted by law, you will also be required to pay our collection expenses, including court costs and reasonable attorney's fees
*APR=Annual Percentage Rate. Rates are subject to change.
See more on Unsecured Loans.

Other Charges
Overlimit Fee	$25
Late Payment Fee	$25
Return Check Fee	$26
Lost Card Replacement Fee	$20
Priority-Rush Card Fee	$20
Annual Fee - None. Minimum Credit Limit - $300. Interest Calculation - Average daily balance (including purchases).
*APR=Annual Percentage Rate. Rates are subject to change.
See more on VISA Credit Cards.