As of October 1, 2012
AUTO LOANS
Year	Term	APR*
2008 - NEW	Up to 36 Months	2.95% - 14.00%
	37 to 48 Months	4.00% - 14.25%
	49 to 60 Months	4.50% - 14.50%
	59 to 75 Months	5.00% - 14.75%
2006 - 2007	Up to 36 Months	3.75% - 14.00%
	37 to 48 Months	4.25% - 14.25%
	49 to 66 Months	4.75% - 14.50%
2004 - 2005	Up to 36 Months	4.00% - 14.00%
	37 to 48 Months	4.50% - 14.25%
2003 - OLDER	Up to 48 Months	7.00% - 14.00%
ALL OTHER SECURED LOANS
Year	Term	APR*
2004 - NEW	Up to 36 Months	5.00% - 14.25%
	37 to 48 Months	5.50% - 14.50%
	49 to 60 Months	6.00% - 14.75%
	61 to 75 Months	6.50% - 15.00%
2003 - OLDER	Up to 48 Months	7.00% - 14.00%
SIGNATURE / UNSECURED LOANS
Term		APR*
48 max / $10,000 max		7.00% - 14.00%
FICO score above 720 - 3 times gross monthly income FICO score between 650 and 719 - 2 times gross monthly income FICO score below 650 -1 times gross monthly income
SHARE SECURED LOANS
Term		APR*
Up to 60 Months		4.50%
61 to 72 Months		5.50%
73 to 144 Months		6.00%
Exception: May finance up to 120 months on boats, houseboats, motor homes and farm equipment new to 3 years old with a minimum sales price of $18,000.00 at 9.50% APR. Member must have excellent credit rating.
*APR = Annual Percentage Rate We do not discriminate on the basis of color, religion, national origin, sex, marital status, receipt of public assistance, or age (provided the applicant is old enough and otherwise has the legal authority to enter into a binding contract), and good faith exercise of rights under the consumer protection act. ***Favorable credit rating and the ability to repay.***