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Loan Rates

Auto Loan Rates*
(Effective: Wednesday, March 10, 2010)

Program

Term

APR

Monthly Payments
per $1000 borrowed

New Cars over 30 MG

(Qualifying new cars model year 2009 & 2010 with 30 MPG Highway Mileage. 100% financing. No down payment required. )

5 years

4.000%

$18.42

6 years

4.000%

$15.65

New Car Loans 2009-2010

(100% financing. No down payment required. )

3 years

4.990%

$29.97

4 years

4.990%

$23.02

5 years

4.990%

$18.87

6 years

4.990%

$16.10

7 years

6.000%

$14.61

8 years

6.000%

$13.14

Used Car Loans 2005-2009

(100% financing. No down payment required. )

3 years

4.990%

$29.97

4 years

4.990%

$23.02

5 years

4.990%

$18.87

6 years

4.990%

$16.10

Used Car Loans 2004

4 years

8.250%

$24.54

Used Car Loan 2003 or Older

(20% down payment required. )

3 years

8.250%

$31.46

*Annual Percentage Rate (APR) subject to change without notice. Other rates and terms are available. Rate shown is for members with an "active" checking account ("active" checking is a minimum of three transactions per month and direct deposit). Add .50% to rate if account does not meet "active" checking requirements. This discounted rate applies to new loans only. Rates shown are for "A" credit scores of 680 or above. Payments do not reflect the addition of Payment Protection.

Program	Term	APR	Monthly Payments per $1000 borrowed
Boat Loans* (Effective: Wednesday, March 10, 2010)
Used Boat Loans	3 years	10.000%	$32.27
	4 years	10.000%	$25.36
	5 years	10.000%	$21.26

New Boat Loans	3 years	10.000%	$32.27
	4 years	10.000%	$25.36
	5 years	10.000%	$21.25
*Annual Percentage Rate (APR) subject to change without notice. Other rates and terms are available. Rate shown is for members with an "active" checking account ("active" checking is a minimum of three transactions per month and direct deposit). Add .50% to rate if account does not meet "active" checking requirements. This discounted rate applies to new loans only. Rates shown are for "A" credit scores of 680 or above. Payments do not reflect the addition of Payment Protection.

Program	Term	APR	Monthly Payments per $1000 borrowed
Energy Loan* (Effective: Wednesday, March 10, 2010)
Energy Loan	1 year	6.500%	$86.30
	2 years	6.500%	$44.55
	3 years	6.500%	$30.65
	4 years	6.500%	$23.72
*Rates shown are for "A+" credit scores of 720 or above. Rate shown is for members with an "active" checking account ("active" checking is a minimum of three transactions per month and direct deposit). Add .50% to rate if account does not meet "active" checking requirements. This discounted rate applies to new loans only. Loan terms up to 4 years. Maximum amount that can be borrowed is $25,000. To be used for purchasing heating equipment such as: Furnace, Oil Burner, Oil Tank, Water Heater... See a Loan Representative for more details. Payments do not reflect the addition of Payment Protection.

Personal Loans*
(Effective: Wednesday, March 10, 2010)

Program

Term

APR

Monthly Payments
per $1000 borrowed

Personal Loan

(Rates shown are for "A+" credit scores of 720 or above. Payments do not reflect the addition of Payment Protection.)

3 years

10.240%

$32.38

4 years

10.240%

$25.48

5 years

10.240%

$21.37

Personal Line of Credit**

6.000%

*Rates shown are for "A+" credit scores of 720 or above. Rate shown is for members with an "active" checking account ("active" checking is a minimum of three transactions per month and direct deposit). Add .50% to rate if account does not meet "active" checking requirements. This discounted rate applies to new loans only. **The Annual Percentage Rate (APR) is variable based on the Prime Rate as published in the Wall Street Journal five days prior to the end of the month. APR will never be more than 18% or less than 6% for the remaining life of the loan after the initial fixed period. No minimum loan amount. Maximum loan is determined at opening based on credit score but not to exceed $25,000. Other restrictions may apply.