New and Used Auto Loans
Year of Automobile	Term	APR (as low as)
2009 and newer	24 Months	2.79%
	36 Months	2.79%
	48 Months	2.79%
	60 Months	2.79%
	72 Months	3.09%
2005 to 2008	24 Months	3.49%
	36 Months	3.49%
	48 Months	3.49%
	60 Months	3.69%
2004 and older	24 Months	5.25%
	36 Months	5.50%
	48 Months	6.00%

    * Auto Loans will not exceed the lower of the NADA book value or the
       selling price of the automobile, unless the member's score is over
       680. The amount financed will be up to 115% of the NADA value.
    * APR: Annual Percentage Rate
    * Interest rate determined by credit score
    * Rates are fixed
    * No prepayment penalty
    * When two people are signing on a note we will add the two rates
       and divide by 2 to get the rate.
    * Rates subject to change

Home Equity
Term	Limit	Rate	Loan/Value Ratio
60 Months	$85,000.00	4.75%	80.00%
120 Months	$85,000.00	5.25%	80.00%
180 Months	$85,000.00	5.75%	80.00%

    * Rates are fixed
    * APR based on lower rate at time of application or closing
    * Up to 80% financing
    * Rates subject to change

Personal Loans
Term	Maximum Loan Amount	APR (as low as)
24 Months	$7,500.00	7.75%
36 Months	$7,500.00	7.95%
48 Months	$7,500.00	8.15%
60 Months	$7,500.00	8.50%

    * APR: Annualy Percentage Rate
    * Rates are fixed
    * Rates determined by applicant's credit score
    * Rates subject to change
    * No prepayment penalty

Miscellaneous Secured
Term	Maximum Loan Amount	APR (as low as)
24 Months	$10,000.00	6.75%
36 Months	$10,000.00	6.75%
48 Months	$10,000.00	7.25%
60 Months	$10,000.00	7.50%

    * Rates subject to change
    * APR: Annualy Percentage Rate

Share Secured
Term	Maximum Loan Amount	APR (as low as)	Loan/Value Ratio
24 Months	$25,000.00	2.50%	95.00%
60 Months	$50,000.00	3.00%	95.00%
120 Months	$50,000.00	3.50%	90.00%

    * APR: Annual Percentage Rate
    * Loan secured by savings
    * No prepayment penalty
    * Rates subject to change

Boats / Motor Homes
Term	Maximum Loan Amount	APR (as low as)
24 Months	$50,000.00	5.25%
36 Months	$50,000.00	5.25%
48 Months	$50,000.00	5.50%
60 Months	$50,000.00	5.50%
72 Months	$50,000.00	5.75%
84 Months	$50,000.00	6.00%
120 Months	$50,000.00	6.25%

    * APR: Annualy Percentage Rate
    * Interest rate determined by credit score
    * Rates are fixed
    * Upon approved credit
    * Rates subject to change

Motorcycles
Term	Maximum Loan Amount	APR (as low as)
24 Months	$50,000.00	5.25%
36 Months	$50,000.00	5.25%
48 Months	$50,000.00	5.50%
60 Months	$50,000.00	5.50%

    * APR: Annualy Percentage Rate
    * Interest rate determined by credit score
    * Rates are fixed
    * Upon approved credit
    * Rates subject to change