Loan Rates
(rates and terms subject to change at any time)

Effective December 1, 2005


New Car Loans 100% financing (not to exceed 100% MSRP), plus taxes, tags, warranties and credit insurance. APR*
Term
100% Financing
as low as** 4.50%
up to 60 months
80% Financing
as low as**
4.00%
up to 60 months
80% Financing (loan amount over $20,000)
as low as** 4.50%
61 - 72 months
**Rates quoted are the lowest available ("as low as"). Actual rate may differ and is dependent on the applicant and/or co-applicant's credit history.
Used Car Loans Amount financed will be the lesser of the purchase price or NADA retail value, plus taxes, tags, warranties and credit insurance. APR*
Term
2000 through 2004
as low as**
5.5%
up to 60 months
1997 through 1999
as low as**
6.5%
48 months
**Rates quoted are the lowest available ("as low as"). Actual rate may differ and is dependent on the applicant and/or co-applicant's credit history.

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VISA APR*
Classic
10.90%
Gold
9.90%
Platinum 8.90%
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Personal Loan APR* Details
As low as**
10.90%
$10,000 maximum. Up to $6,000/36 month repayment. Over $6,000/48 month repayment
**Rates quoted are the lowest available ("as low as"). Actual rate may differ and is dependent on the applicant and/or co-applicant's credit history.
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Computer Loan APR* Details
9.50%
up to $1,500/12 month repayment term
10.00%
$1,501 - $3,000/24 month repayment term
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Boat Loan APR* Details
New
8.00%
10% down payment
New
7.50%
20% down payment
Used
9.50%
Amount financed based on Wholesale Book Value
Term for new and used:
7 years up to $25,000
10 years over $25,000
No vessels over 5 ton net weight
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Home Improvement Loan APR* Details
 
12.50%
$15,000 maximum. Up to 60 month repayment
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Tuition Loan APR* Details
 
8.9%
Borrow up to $10,000. Up to 48 month repayment. Check payable to school
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Share Secured APR* Details
 
2% above current dividend rate
Up to 60 month repayment. Borrowed amount may not exceed amount in savings or certificate. IRA accounts not permitted for this type of loan. Longer terms available depending on amount borrowed.
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Home Equity Line of Credit      
Loan Amount 90% of appraised value less first mortgage/Maximum - $100,000
80% of appraised value less first mortgage/Maximum - $150,000
Miniumum - $10,000
Rate Prime rate MINUS 1/4%
Minimum - 2.5% Maximum - 18%
Draw Period 15 years (access with home equity checks) First Advance - $2,500 minimum / $500 increments thereafter
Closing Costs Credit union will pay closing costs. Minimum loan term is two years or reimbursement of closing cost are due to credit union.
Appraisal Fee $150
Processing Time 3 - 4 weeks
*Prime rate as published in the Wall Street Journal. The equity loan rate is subject to change on the first day of the quarter (January, April, July & October) following a change in the prime rate.
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Closed-End Home Equity Loan      
Loan Amount 90% of appraised value less first mortgage/Maximum - $100,000
80% of appraised value less first mortgage/Maximum - $150,000
Miniumum - $10,000
Rate 5 year - as low as 5.75% APR
10 year - as low as 6.50% APR
15 year - as low as 7.00% APR

Rates quoted are the lowest available ("as low as"). Actual rate may differ and is dependent on the applicant's credit history.
Closing Costs Credit union will pay closing costs. Minimum loan term is two years or reimbursement of closing cost are due to credit union.
Appraisal Fee $150
Processing Time 3 - 4 weeks
*Annual Percentage Rate.
**Rates quoted are the lowest available ("as low as"). Actual rate may differ and is dependent on the applicant and/or co-applicant's credit history.
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We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.