Effective January 11, 2008

Loan Description APR
Share Secured Loans 6.00%
Share Certificate Secured Loans 3.00% over rate
   
Collateralized Loans Base 8.00%
Collateral age  
New Vehicle -1.00%
Used Vehicle - 2004 and newer 0.00%
1999 to 2003 +1.00%
1998 & older +2.00%
   
Credit Score  
A - 750 & higher -1.50%
B - 700 - 749 -1.00%
C - 650 - 699 0.00%
D - 600 - 649 +2.00%
E - 500 - 599 or no score +4.00%
Automatic Payments -0.50%
   
Unsecured Loans
Credit Score  
A - 750 & higher 11.00%
B - 700 - 749 12.00%
C - 650 - 699 13.00%
D - 600 - 649 14.00%
E -500 - 599 15.00%
No Score 15.00%
   
Length of Employment  
3 - 4 Years -0.25%
5 - 9 Years -0.50%
10 - 14 Years -0.75%
15 Years & Over -1.00%
   
Requests Over CU Policy Term - Requires credit score above 650
Up to 6 months over +0.25%
7 to 12 months over +0.50%
13 to 18 months over +0.75%
19 to 24 months over +1.00%
   
Home Equity Loan - Variable rate 6.75%
Income Tax Refund Anticipation Loan 12.00%
   

APR - Annual Percentage Rate

FILING FEE: YOU WILL BE CHARGED A LIEN HOLDING FEE AT THE TIME OF ADVANCE IF THE CREDIT UNION TAKES A SECURITY INTEREST IN YOUR COLLATERAL. THE AMOUNT OF THE FILING FEE IS BASED UPON THE AMOUNT OF FEE REQUIRED BY STATE LAW FOR THE CREDIT UNION TO OBTAIN A LIEN ON YOUR PROPERTY.

COLLECTION COST: YOU PROMISE TO PAY ALL COSTS OF COLLECTING THE AMOUNT YOU OWE UNDER THIS AGREEMENT, INCLUDING COURT COSTS AND REASONABLE ATTORNEY FEES.

LATE PAYMENT FEE: AFTER A 20 DAY GRACE PERIOD, ALL LOANS WILL BE CHARGED A LATE PAYMENT FEE OF $25.00 PER MONTH.