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CONSUMER LOAN RATES Loan Type Months APR Vehicles 2007-2012 Up to 72 months 2.49% to 11.49% New Vehicles 2010-2012 73 to 84 months 2.99% to 11.99% Used Vehicles 2002-2006 Up to 72 months 3.99% to 13.49% New RV/Boat 2011-2012 Up to 96 months 4.49% - 13.49% 97 to 144 months 4.74% - 13.74% 145 to 180 months 4.99% - 13.99% Used RV/Boat 2006-2010 Up to 96 months 4.74% - 13.74% 97 to 144 months 4.99% - 13.99% 145 to 180 months 5.24% - 14.24% Used RV/Boat 2002-2005 Up to 96 months 6.49% - 15.49% 97 to 144 months 6.74% - 15.24% 145 to 180 months 7.24% to 16.24% Other Collateral 8.24% to 17.24% Home Equity Line of Credit 3.25% (v)1 Access Home Equity Loan Terms up to 7 years 3.49%(f) - 10.50%(f)2+ Terms up to 10 years 4.50%(f) - 11.50%(f)2+ Terms up to 15 years 5.50%(f) - 12.25%(f)2+ Terms up to 20 years 5.75%(f) - 12.75%(f)2+ VISA Platinum 3.9% (f) No annual fee 12-month balance transfer rate* 12.9% non-variable APR thereafter VISA Share Secured 9.25% (v) No annual fee Personal Loan Up to 72 months 9.99% to 18.00% New Motorcycle 2011-2012 Up to 72 months 5.99% to 14.99% Used Motorcycle 2006-2010 Up to 72 months 6.24% to 15.24% Rates effective as of September 1, 2012 and subject to change. APR = Annual Percentage Rate (f) = fixed rate (v) = variable rate Loan rates vary, based upon each member's individual credit history and loan term selected. All loans are subject to credit approval and our lending policies. + There is a .50% basis point discount if the loan is in first position. 1 APR (Annual Percentage Rate). Only available for new Home Equity Lines of Credit. Rate is variable and the index used is the US Prime rate published in the Wall Street Journal as quoted on the last day of the 2nd month of the preceding quarter (November, February, May, August). Maximum lifetime APR is 15%. During the promotion and subject to change, Applicant pays $75 for closing costs, which include: flood determination, title insurance and recording fees. Should applicant request an interior/exterior appraisal to determine property value, applicant will pay for appraisal. The costs typically range from $0 to $450. Primary residence only. Property insurance is required and flood insurance may be required. You must meet our credit and underwriting requirements. Membership requirements apply. Rates subject to change. 2 APR (Annual Percentage Rate). Only available for new Home Equity Lines of Credit. Rate is fixed and the rate you qualify for is determined by application and credit information. Credit Union pays the closing costs, which include: flood determination, title insurance and recording fees, up to $300. Applicant pays appraisal if needed. The costs typically range from $0 to $450. Primary residence only. Property insurance is required and flood insurance may be required. You must meet our credit and underwriting requirements. Membership requirements apply. Rates subject to change. * The promotional balance Transfer APR is good for all balance transfers and purchases for the first twelve billing cycles. Beginning on the first day of the thirteenth billing cycle, the Periodic Rate and corresponding APR will increase to the standard rates set forth in section (12) for purchases and cash advances. Your Balance Transfer APR may end sooner if any Total Minimum Payment Due is not received by the Payment Due Date. Then, as of the first day of the billing cycle in which the event occurs, the Balance Transfer APR will end. Thereafter, the APRs for all new and outstanding Balance Transfers will be increased to the APR as set forth in your Credit Card Agreement. Please note that it does not apply to cash advances. See your Credit Card Agreement for any other applicable transaction fees.
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