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Loan Rates

Description	Maximum Financed	Loan Amount	Maximum Term in Months	Annual Percentage Rate
New & Used Vehicles	100% Purchase Price or MSRP for qualified borrowers	Up to $10,000 $10,001 to $20,000 $20,001 to $30,000 Over $30,000	48 60 72 84	5.75% to 17.80%
Used Vehicle more than 5 yrs old	100% of Sale Price or Kelley Blue Book retail value for qualified borrowers	Up to $5,000 $5,001 to $10,000 $10,001 to $25,000 > 10 years old	36 48 60 48	5.75% to 17.80%
RV's (Travel Trailer, Motor Home, etc.)	75% Purchase Price or Kelley Blue Book retail value	Up to $5,000 $5,001 to $10,000 $10,001 to $25,000 Over $25,001	36 48 60 72	6.75% to 17.80%
New & Used Boats	75% Purchase Price, MSRP or Kelley Blue Book retail value	Up to $5,000 $5,001 to $10,000 $10,001 to $25,000 Over $25,001	36 48 60 72	6.75% to 17.80%
New & Used Motorcycles	Up to 80% of Purchase Price, MSRP or Kelley Blue Book retail value	Up to $10,000 $10,001 to $20,000 $20,001 to $30,000 Over $30,001	48 60 72 84	5.75% to 17.80%
Shared Secured	100% of Shares Balance	$500 or more	84	3.0% above rate of share collateral
Personal Loan	$10,000	Up to $1,500 $1,501 to $5,000 $5,001 to $7,500 $7,501 to $10,000	12 24 36 48	10.00% to 17.90%
MasterCard Classic		$500 to $10,000	Revolving	11.90%
Shared Secured MasterCard		$500 or more	Revolving	8.90%
Home Equity Lines-of-Credit	80 % of Value Minus First Mortgage	$10,000 to $100,000	180	5.00%

*Your Annual Percentage Rate may vary depending on your creditworthiness. Please ask a loan officer for details regarding how your rate is determined.

Additional Rate Discounts: An additional interest rate discount of 0.25% will apply to the above interest rates with automatic loan payment.

Minimum Payment: The amount and due date fo your payment will be established at the time of each advance. The minimum monthly payment for all loans is $25 a month unless otherwise stated.

Filing Fee: You may be charged a lien filing fee at the time of advance if the Credit Union takes security interest in your collateral. The amount of the filing fee will be based upon the amount of fee required by state law for Credit Union to obtain lien on your property. The amount of the filing fee will be disclosed at the time of the advance.

Charge: You promise to pay a late charge of 20% of interest due on your loan on every payment that is over 10 days past due.

Collection Cost: You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.

Refinance Fee: A fee of $100 will be assessed on refinanced loans will less than $1,000 of new money disbursed.

Credit Insurance Cost Disclosures:

Coverage	Per $100 Borrowed
Single Life	$0.068
Joint Life	$0.116
Single Disbility	$0.425

MasterCard

Please refer to the MasterCard Cardholder Agreement and Disclosure Statement for the complete Electronic Funds Transfer Agreement and Disclosure.