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Rates

Loans Savings Certificates

Effective as of: December 13, 2012

Loans
Loan Type	Max Amount (1)	Term (in months)	APR*	Payment per $1,000.00**
Auto Loans (new and used)	$60,000	Up to 72	As low as 1.99%*	$14.75***
Personal Loans	$15,000	Up to 60	As low as 8.75%**	$20.64***
Savings/CD secured	match deposit	Up to 60	Rate on collateral plus 3%	$19.35***
VISA Credit Card****	$7,500	n/a	15.90%**	n/a
Rates are subject to change
(1) Maximum amount shown is for qualified applicants based on approved credit.
* Annual Percentage Rate (APR) shown represents the lowest auto loan rate currently available. This rate is for qualified applicants based on approved credit. Higher rates may apply based on the applicant's specific credit qualifications, including credit score and the term of financing as well as the model year for auto loans.
** Annual Percentage Rate (APR) shown represents the lowest rate currently available.  This rate is for qualified applicants based on approved credit and includes reductions for paying by payroll deduction and signing up for e-statements.  Higher rates may apply based on the applicant's specific credit qualifications, including credit score and the term of financing.
***This sample payment is based on the maximum term available.
Relationship Discounts (already included in samples above)
Loan paid by Direct Deposit or Payroll Deduction minus .125%
Sign up for New E-statements minus .125%
Maximum discount minus .25%
****Lower rates available on VISA credit card if paid with payroll deduction or with a VISA savings secured.