TYPES	TERMS	A.P.R.* as low as
Home Equity Choice Line of Credit** Variable Rate	Draws available up to 180 months	prime-.51%
Home Equity Choice Line of Credit Promotional Variable Rate (for new lines only)	First 6 months	1.99%
Home Equity L.O.C. Fixed rate advances or Closed-end fixed rate. Minimum loan amounts apply. See Home Equity Disclosure for details. *Fixed rates quoted are promotional rates.	12 to 36 months 37 to 60 months 7 year Special! 85 to 120 months 121 to 180 months	3.99% 4.49% 4.99% 5.49% 6.24%
High Value Equity Loan $30,000 maximum. Up to 100% of home value	12 to 60 months ($1,000 minimum) 61 to 84 months ($5,000 minimum) 85 to 120 months ($7,500 minimum)	5.99% 6.49% 7.49%
High Value Equity L.O.C. $30,000 maximum. Up to 100% of home value	Draws available up to 180 months	prime-.01%
Home Improvement - Unsecured $10,000 maximum	12 - 36 months 37 - 48 months 49 - 60 months 72 months	6.49% 6.74% 6.99% 7.24%
New Autos 2009 & 2010 models	12 to 36 months 37 to 48 months 49 to 60 months 61 to 72 months	3.99% 4.24% 4.49% 4.99%
Used Autos 2006 through 2009	12 to 36 months 37 to 48 months 49 to 60 months	3.99% 4.24% 4.49%
Used Autos 2004 through 2005	12 to 36 months 37 to 48 months 49 to 60 months	5.49% 5.99% 6.49%
Used Autos 2003 and older	12 to 24 months 25 to 36 months	7.69% 7.94%
Mobile Homes	12 to 180 months	10.99%
Other Secured loans - New & Used	12 to 36 months 37 to 60 months	6.49% 6.99%
Motorcycle Loans	12 to 36 months 37 to 60 months	5.49% 6.49%
New Boats & Motor Homes	12 to 60 months 61 to 120 months	6.69% 7.44%
Used Boats & Motor Homes	12 to 60 months 61 to 120 months	6.99% 7.99%
Share Pledged	3% above share rate	4.75% min.
CD Pledged	3% above CD rate	5.00% min.
Signature Loans $15,000 maximum ($5,000 minimum for terms over 36 months)	12 to 36 months 37 to 60 months	9.69% 10.69%
College/Grad School $1000 min,$15,000 max (Proceeds payable to school)	12 to 36 months 37 to 60 months	5.99% 7.49%
College/Grad School In-School” variable rate interest only student loan	grad + 6 months	5.00 - 7.50%
Fixed Rate Student Loan
12 – 60 months ($75 min pmt)	12 - 60 months ($75 min pmnt)	5.00 - 7.50%
61 – 95 months ($5,000 min)	61 - 95 months ($5,000 min)	5.25 - 7.75%
96 – 119 months ($5,000 min)	96 - 119 months ($5,000 min)	5.50 - 8.00%
120 months ($10,000 min)	120 months ($10,000 min)	5.75 - 8.25%
144 months ($20,000 min)	144 months ($20,000 min)	5.75 - 8.25%
Debt Consolidation	12 to 36 months 37 to 60 months	10.69% 11.94%
Overdraft Protection	Revolving	15.50%
Line Of Credit	Revolving	15.50%
Computer Loan Special	up to 12 months	4.49%
	13 to 24 months	5.49%
	25 to 36 months	6.49%
A.P.R. means Annual Percentage Rate* The home equity choice line-of-credit has both variable & fixed rate** features. Please see our home equity page for details & disclosures. Some loans qualify for rate reductions under our 'Premier Member Discount' program All loans subject to credit approval Rates subject to change without notice Other conditions may apply $1,000 minimum loan amount for installment loan, with some higher minimums, depending on loan type, dollar amount and term

For Example, a new auto loan for $10,000 for a 5 year term at a fixed rate of 5.49% APR would yield a monthly payment of $190.96. A security interest in the vehicle, or any other collateral taken for secured loans, would be taken by the credit union. Insurance may be required covering collateral pledged to secure a loan and the value of the collateral should equal or exceed the loan amount. Rates and payments for all consumer loans may vary based upon the loan type, term selected and amount borrowed. All loans are subject to credit approval. Rates and terms are subject to change without notice. Other conditions may apply. Contact the credit union for details.