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Loan Rates


Fixed Rate LoansMay 1, 2013
Loan Type¹	APR As low As ²	Terms
New Auto (Up to 100% Financing)	1.59%	Up to 60 months
	2.09%	61 – 72 months
	3.09%	73 – 84 months
Used Auto³	1.59%	Up to 60 months
	2.09%	61 – 72 months
	3.09%	73 – 84 months
New Recreational Loans (100% MSRP or NADA Retail Value)	7.49%	Up to 84 months on loans of $30,000 and over
Used Recreational Loans (Up to 100% NADA Retail Value)	8.49%	Up to 84 months on loans of $30,000 and over
Personal Loan (Unsecured, Bill Consolidation, Signature)	8.99%	48 month maximum term on loan amounts under $5,000. Lowest available rate is for loan terms of 60 months or less.
Personal Loan (Unsecured, Bill Consolidation, Signature)	9.99%	$10,000 Minimum loan amount for terms over 60 months. Maximum term 84 months.
¹Minimum add-on of $5,000 required for refinances Andrews Federal loans. ²APR = Annual Percentage Rate. Rates are based on an evaluation of credit history, so your rate may differ. ³Loans over 100% NADA value may have a slightly higher rate.


Unsecured Lines of CreditMay 1, 2013
Loan Type	APR¹	Monthly Payment
Overdraft Line of Credit	As low as 14.00%	3% of outstanding balance; minimum $30.
Unsecured Line of Credit	As low as 10.00%	3% of outstanding balance; minimum $30.
¹APR = Annual Percentage Rate. APR is variable and is based on the Wall Street Journal Prime Rate plus a margin of 3.5% or 7.5%. Rates subject to change each quarter.


Share/CD Secured RateMay 1, 2013
Loan Type	Repayment Terms	APR	Conditions
Certificate Secured	12 months or Certificate maturity date, whichever is shorter.	Certificate rate plus 3.00%¹	Shares within a Certificate are pledged for the loan. The amount of the loan cannot exceed 90% of the amount in the certificate. The loan term is a maximum of 12 months or the maturity date of the certificate, whichever is sooner.
Shares Secured	Up to 144 months	Share rate plus 3.00%²	Minimum monthly payment of $30. The amount of the loan cannot exceed 95% of the amount held in share account.
¹Fixed rate certificates only. IRA and First Step certificates cannot be pledged as collateral. ²This is a variable rate product; APR may be adjusted quarterly. Rate is determined by adding 3.00% to the share dividend rate as of the first of the month in January, April, July, and October.


Home Equity Loans (Owner Occupied)¹May 1, 2013
Term	APR	Minimum Loan Amount	Monthly Payment Per Every $1,000 Borrowed	Maximum Loan to Value
7 years	As low as 4.49% fixed rate	$25,000	$13.90	90%
10 years	As low as 4.99% fixed rate	$25,000	$10.60	90%
12 years	As low as 5.49% fixed rate	$25,000	$9.50	90%
15 years	As low as 6.49% fixed rate	$25,000	$8.71	90%
15 years²	As low as 3.49% fixed rate	$25,000	$7.15	80%
¹Rates vary depending on credit history and loan to value. Appraisal required – fee paid upfront and is non-refundable. Fees paid to third parties to open your account typically range between $750 and $1,500 for loans up to $100,000. The closing costs depend on the location of the property and the amount of the Equity Loan. A sample Fixed Equity Loan payment based on $100,000 at 6.49% APR for 15 years is $870.66 (APR 6.576%). Escrow account may be required. ²Rates vary depending on credit history. To qualify, there must be no other liens/mortgages secured by the property being used as collateral. Appraisal required – fee paid upfront and is non-refundable. Fees paid to third parties to open your account typically range between $750 and $1,500 for loans up to $100,000. The closing costs depend on the location of the property and the amount of the Equity Loan. A sample Fixed Equity Loan payment based on $100,000 at 3.49% (3.573% APR) for 15 years is $714.56. Escrow account may be required.


Home Equity Lines of Credit - Variable RateMay 1, 2013
Line Amount	APR¹	Maximum Loan to Value
$25,000 - $500,000	Prime minus 1/2% As low as 4.00% APR	80%
$25,000 - $500,000	Prime As low as 4.00% APR	90%
¹APR = Annual Percentage Rate. Subject to credit & property approval. Rates are APRs & subject to change without notice. Line of credit rates are variable and based on The Wall Street Journal Prime Rate plus/minus a margin, adjusted each quarter. The minimum APR is 4.00% and the maximum APR is 18%. Property insurance is, and flood insurance may, be required. Consult your tax advisor regarding the deductibility of interest. Availability restrictions may apply.

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