LOAN RATES

Effective 05/27/11

New or Used Car, Truck Van, SUV or Motorcycle     New -- 100% of MSRP Used -- 100% of NADA Retail Value     Term *APR     36 Months or Less 2.49% - 7.49% 48 Months 3.29% - 8.29% 60 Months 3.49% - 8.49%     Maximum Term for Used Vehicles    1 - 2 Years old  60 Months    3 - 4 Years old 48 Months          May qualify for 60 months based on value & LTV 5 Years old & older 36 Months	New or Used Farm & Garden Equipment       New -- 100% of Purchase Price        Purchase Price Maximum Term *APR       0 - $5,000 36 Months 3.74% - 8.74% $5,001 - $10,000 48 Months 4.54% - 9.54% $10,001 - up 60 Months 4.74% - 9.74%       Used --- 90% Dealer Certified Appraised Value        0 - $5,000 36 Months 3.74% - 8.74% $5,001 - $10,000 48 Months 4.54% - 9.54% $10,001 - up 60 months 4.74% - 9.74%
New or Used Boat, Motor & Trailer, Travel, Trailer, Jet Skis, ATVs & Dirt Bikes       New -- 100% Purchase Price Used -- 90% of NADA Retail Value             Purchase Price Maximum Term *APR       0 - $3,000 36 Months 3.74% - 8.74% $3,001 - $5,000 48 Months 4.54% - 9.54% $5,001 - up 60 Months 4.74% - 9.74%	Signature Loans       Maximum 15% Salary up to $10,000 after 1 Year of Employment. Maximum 5% Salary   3 Months to 1 Year of Employment           Amount Maximum Term *APR       $500 - $2,500 24 Months 9.75% - 14.75% $2,501 - up 36 Months 9.75% - 14.75%
Share Secured Loans              Term *APR 24 Months  2.25% 36 Months  2.45% 48 Months  3.25% 60 Months  3.45%	Computer Loans       Amount Maximum Term *APR        $500 - $3,000 24 Months 8.00% - 11.00%
*APR (Annual Percentage Rate) ******************   Rate Ranges Are Based On Credit Worthiness   ******************
Free Credit Life and Permanent Disability Insurance On Loans Up To $15,000 Per Member

 

MASTERCARD CLASSIC  11.90% Annual Percentage Rate

MASTERCARD GOLD     9.75% Annual Percentage Rate

Credit Disclosure
ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES	CLASSIC 11.90%	GOLD 9.75%
	CASH ADVANCE APR: 11.9% BALANCE TRANSFER APR: 11.9%	CASH ADVANCE APR: 9.75% BALANCE TRANSFER APR: 9.75%
GRACE PERIOD FOR REPAYMENT OF   BALANCES FOR PURCHASES	25 DAYS	25 DAYS
METHOD OF COMPUTING THE BALANCE FOR PURCHASES	AVERAGE DAILY BALANCE (INCLUDING NEW PURCHASES)
ANNUAL FEE	NONE	NONE
MINIMUM FINANCE CHARGE	NONE	NONE
TRANSACTION FEE FOR PURCHASES	NONE	NONE
TRANSACTION FEE FOR CASH ADVANCES: NONE BALANCE TRANSFER FEE: NONE LATE PAYMENT FEE: NONE OVER THE CREDIT LIMIT FEE: NONE NEW OR REPLACEMENT CARD FEE: NONE   OTHER FEES AND CHARGES: RETURNED CHECK FEE: $20.00 DOCUMENTATION FEE: $12.00 CARD RECOVERY FEE: $65.00