LOAN RATES

Sub Account DescriptionDaily Periodic RateAnnual Percentage Rate
As Low As*
Signature0.04%9.50%
New Vehicles As Low As0.02%2.90%
*Rate determined by FICO score. Down payment is also considered for auto loans.
Recreational Vehicles0.02%8.00%
Used Recreational Vehicles0.02%8.50%
Share Secured2.00 %  Above Rate
Certificate2.00 %  Above Rate
Over-Draft Protection0.05%18.00%
Home Equity Line of Credit (HELOC)3.90%

Share Secured                   2.00% above Rate

The Annual Percentage Rate (APR) will be the declared dividend rate being paid on regular shares offered as security (Index) plus 2.00%. The annual percentage rate and daily periodic rate will be disclosed on the voucher at the time of the advance.

Certificate Secured            2.00% above Rate

The Annual Percentage Rate (APR) will be the dividend rate being paid on the certificate offered as security (Index) plus 2.00%. The Certificate must be renewed until the advance is completely paid. Failure to renew will result in default under the plan. When the Certificate is renewed the APR will change to reflect the new dividend rate. If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR. Any increase in the APR will result in more payments of the same amount or an increase in your monthly payment until what you owe has been repaid. The annual percentage rate and daily periodic rate will be disclosed on the voucher at the time of the advance.

Over-draft Protection       .049315%         18.00%

Overdraft protection will be given in increments of $100.00. The minimum monthly payment is $50.00.

MINIMUM PAYMENT: Your minimum payment will never be less than $25.00.

LATE CHARGES: If you are 10 days or more late in making a payment, you will pay a late charge of 20.00% of The interest due.

COLLECTION COSTS: You promise to pay, subject to any limits under applicable law, all costs of collecting the Amount you owe under this agreement. This includes but is not limited to reasonable attorney fees and court costs as well as legal expenses for any bankruptcy, appeals or post judgment proceedings.

FILING FEE: You will be charged a lien filing fee at the time of an advance if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of the fee required by state law for the credit union to obtain a lien on your property. The amount of the filing fee will be disclosed on the voucher.

ACCESS DEVICES: You can obtain credit advances in any manner authorized by the credit union from time to time. Your application for this account also serves as a request to receive any additional access devices which may available in the future in connection with this plan. The terms of this plan will also apply to any future access

Please call (909) 594-1866 to confirm current rates.
Effective September 30, 2013