Current Consumer Loan Rates
Effective 01/03/2012
SECURED LOANS
New and Used Vehicles, Boats, Motorcycles,
Recreational Vehicles and Miscellaneous Security
| Term | Annual Percentage Rate |
| Up to 36 months | 2.49% to 16.45%* |
| 37 to 48 months | 2.49% to 16.95%* |
| 49 to 60 months | 2.49% to 17.45%* |
| 61 to 72 months | 3.74% to 17.95%* |
| 73 to 84 months | 5.24% 19.45%* |
SAVINGS SECURED LOANS
| Share Savings Secured Loans | 2.00% + Share Account Rate |
| Certificate Secured Loans | 2.00% + Certificate Rate |
PLATINUM MASTERCARD
| Introductory Rate - first 6 months / billing cycles | 3.99% APR** |
| Fixed Rate (after Introductory period) | 7.90% - 13.75% APR** |
UNSECURED LOANS
| 8.50% TO 20.00% APR* |
HOME EQUITY LINE OF CREDIT
Variable Rate Effective 01/03/2012
| TERM | ANNUAL PERCENTAGE RATE |
| Up to 144 months, up to 80% Loan to Value | 5.00% |
| Up to 144 months, 81% - 90% Loan to Value | 5.75% |
In House Fixed Rate Home Equity Loan
1st Mortgage
| TERM | ANNUAL PERCENTAGE RATE |
| Up to 84 months, Max 80% Loan to Value | 5.00% |
| 85 to 120 months, Max 80% Loan to Value | 5.25% |
Fixed Rate Home Equity Loan
2nd Mortgage
| TERM | ANNUAL PERCENTAGE RATE |
| Up to 84 Months, max 80% loan to value | 5.49% |
| Up to 84 Months, 81% - 90% loan to value | 6.24% |
| 85 to 120 Months, max 80% loan to value | 6.49% |
| 85 to 120 Months, 81% - 90% loan to value | 7.24% |
*Rate is determined by term, credit score and collateral value. Eligibility for lowest secured loan rate in each tier is based on applicant's credit score, age of collateral, requires a CECU checking account and automatic transfer of loan payments with a maximum term of 60 months.
**Rate is determined by credit score.
