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Loan Rates

Fixed Rate Loans
Loan Type³	APR²	Terms
New Auto (Up to 100% Financing)	As low as 3.89% APR	Up to 60 months
	As low as 4.39% APR	61 – 72 months
	As low as 5.39% APR	73 – 84 months
Used Auto¹	As low as 3.89% APR	Up to 60 months
	As low as 4.39% APR	61 – 72 months
	As low as 5.39% APR	73 – 84 months
New Recreational Loans (100% MSRP or NADA Retail Value)	As low as 7.49% APR	Up to 84 months on loans of $30,000 and over
Used Recreational Loans (Up to 100% NADA Retail Value)	As low as 8.49% APR	Up to 84 months on loans of $30,000 and over
Personal Loan (Unsecured, Bill Consolidation, Signature)	As low as 8.99% APR	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)	As low as 9.99% APR	$10,000 Minimum loan amount for terms over 60 months. Maximum term 84 months.
¹Loans over 100% NADA value may have a slightly higher rate. ²APR = Annual Percentage Rate. Rates are based on an evaluation of credit history, so your rate may differ. ³Minimum add-on of $1,000 required for refinances Andrews Federal loans.
September 1,2010

Unsecured Lines of Credit
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.
September 1,2010

Share/CD Secured Rate
Loan Type	Repayment Terms	APR	Conditions
Certificate Secured	12 months or Certificate maturity date, whichever is shorter.	Certificate rate plus 3.00%²	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%¹	Minimum monthly payment of $30. The amount of the loan cannot exceed 95% of the amount held in share account.
¹This 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. ²Fixed rate certificates only. IRA and First Step certificates cannot be pledged as collateral.
September 1,2010

Home Equity Loans (Owner Occupied)²
Term	APR	Minimum Loan Amount	Monthly Payment Per Every $1,000 Borrowed	Maximum Loan to Value
7 years	As low as 6.49% fixed rate	$10,000	$14.84	90%
10 years	As low as 7.49% fixed rate	$10,000	$11.86	90%
12 years	As low as 7.99% fixed rate	$10,000	$10.81	90%
15 years	As low as 9.99% fixed rate	$10,000	$10.74	90%
¹ ²Fees paid to third parties to open your account are estimated to range from $295 to $850 for a loan amount of $50,000 depending on cost of appraisal, title work, and your state’s recording fees and mortgage taxes, if any.
September 1,2010

Home Equity Lines of Credit - Variable Rate
Line Amount	APR¹	Maximum Loan to Value³	Closing Costs²
$10,000 - $24,999	Prime Plus 2 1/2% As low as 5.75% APR	80%	Closing costs paid by Andrews Federal
$25,000 - $500,000	Prime minus 1/2% As low as 2.75% APR	80%	Closing costs paid by Andrews Federal
$10,000 - $24,999	Prime Plus 3% As low as 6.25% APR	90%	Closing costs paid by Andrews Federal
$25,000 - $500,000	Prime As low as 3.25% APR	90%	Closing costs paid by Andrews Federal
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 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. ²Fees paid to third parties to open your account are estimated to range from $295 to $850 for a loan amount of $50,000 depending on cost of appraisal, title work, and your state’s recording fees and mortgage taxes, if any. ³Member responsible for any appraisal costs associated with loan.
September 1,2010