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May 28th Memorial Day

Featured this Month!

Effective April 2012, a Used/Used Auto Program is available with low rates on 2001-2005 model year autos. For full details and rates click here or call a Loan Officer at 783-2096.

Loan Rates

New/Used Autos	Used/Used Autos
ATVs, Snowmobiles, Tractors	Motorcycles, Boats, Trailers
Unsecured	LeCheque Mate
Certificate Secured	Share Secured
Mortgages	One Payment Notes
Land	Manufactured Housing
Home Improvement	Home Equity

Autos

New/Used Autos (Rates As Low As)

Term	Rate	Payments per $1,000 per month of repayment
1 year	1.75% APR*	$84.13
2 years	1.95% APR*	$42.53
3 years	2.65% APR*	$28.93
4 years	2.85% APR*	$22.07
5 years	2.85% APR*	$17.91
6 years**	3.45% APR*	$15.40
7 years**	4.65% APR*	$13.98

A 0.10% Discount is available for members with auto pay and a CCU Checking Account.
Collateralized Loans require full coverage insurance.
Rates are subject to change.
*APR = Annual Percentage Rate
New/Used Auto rates apply to 2006-current model years.
**For loans financed 6 years, the minimum loan amount is $15,000. For loans financed 7 years,
the vehicle must be new with a minimum loan amount of $25,000.

Used/Used Autos (Rates As Low As)

Term	Rate	Payments per $1,000 per month of repayment
1 year	4.00% APR*	$85.16
2 years	6.00% APR*	$44.33
3 years	7.90% APR*	$31.30

Auto Term Guide

Up to an 18 month term extension, add 1.00% APR*
Over 18 month extension, add 1.50% APR*
Over 100,000 miles, add 2.00% APR*
Not actual mileage, add 2.00% APR*
Salvage Vehicles, add 2.50% APR* (100% financing not available)
All secured loans may be financed for up to 100% of retail value including sales tax and documentation fees (excludes salvage vehicles)

Other Secured

Motorcycles, Motorcoaches, Boats and Trailers (Rates As Low As)

Term	Rate	Payments per $1,000 per month of repayment
1 year	2.49% APR*	$84.47
2 years	2.99% APR*	$42.98
3 years	3.49% APR*	$29.30
4 years	3.49% APR*	$22.36
5 years	3.99% APR*	$18.42
6 years**	3.99% APR*	$15.65
7 years**	4.99% APR*	$14.14
10 years	4.99% APR*	$10.61
12 years**	5.95% APR*	$9.74
15 years**	6.75% APR*	$8.86

A 0.10% Discount is available for members with auto pay

and a CCU Checking Account. Rates are subject to change.
Collateralized Loans require full coverage insurance.
Rates are subject to change.
* APR = Annual Percentage Rate
**Motorcycles financed for 6 years or more must be new with a minimum loan amount
of $15,000.Â RVs, Boats and Travel Trailers financed for 6 years or more must
have a minimum loan amount of $15,000 and those financed for 15 years must
have a minimum loan amount of $25,000 (age restrictions apply).

ATVs, Snowmobiles, Lawn Tractors (Rates As Low As)

Term	Rate	Payments per $1,000 per month of repayment
1 year	2.95% APR*	$84.67
2 years	3.95% APR*	$43.41
3 years	4.15% APR*	$29.60
4 years	4.15% APR*	$22.65
5 years	4.25% APR*	$18.54
6 years	4.25% APR*	$15.77

0.10% Discount is available for members with auto pay
and a CCU Checking Account.
Collateralized Loans require full coverage insurance.
Rates are subject to change.
* APR = Annual Percentage Rate

Manufactured Housing

Doublewide (Rates As Low As)

Term	Rate	Payments per $1,000 per month of repayment	Downpayment
5 Years	4.95% APR*	$18.85	0 pts, 10% down
10 Years	5.99% APR*	$11.10	0 pts, 10% down
15 Years	6.99% APR*	$8.99	0 pts, 10% down
20 Years	7.99% APR*	$8.37	0 pts, 10% down
25 Years	8.25% APR*	$7.89	0 pts, 10% down

Rates are subject to change.
*APR = Annual Percentage Rate
Downpayment may be required to purchase real estate.
Homeowners insurance required. Flood insurance required when necessary.

Singlewide (Rates As Low As)

Term	Rate	Payments per $1,000 per month of repayment	Downpayment
5 Years	4.95% APR*	$18.85	0 pts, 10% down
10 Years	5.99% APR*	$11.10	0 pts, 10% down
15 Years	6.99% APR*	$8.99	0 pts, 10% down
20 Years	7.99% APR*	$8.37	0 pts, 10% down

Rates are subject to change.
*APR = Annual Percentage Rate
Downpayment may be required to purchase real estate.
Homeowners insurance required. Flood insurance required when necessary.

Mortgages

(Rates As Low As)
1st Mortgages (Rates As Low As)

Term	Rate	Payments per $1,000 per month of repayment	Downpayment
5 Years	3.95% APR*	$18.40	0 pts, 20% down
10 Years	4.50% APR*	$10.37	0 pts, 20% down
15 Years	5.25% APR*	$8.05	0 pts, 20% down
20 Years	5.50% APR*	$6.89	0 pts, 20% down
25 Years	5.75% APR*	$6.30	0 pts, 20% down
30 Years	5.75% APR*	$5.84	0 pts, 20% down

Rates are subject to change.
*APR = Annual Percentage Rate
Downpayment may be required to purchase real estate.
Homeowners insurance required. Flood insurance required when necessary.

Land Loans (Rates As Low As)

Term	Rate	Payments per $1,000 per month of repayment	Downpayment
10 Years	6.95% APR*	$11.59	0 pts, 20% down

Rates are subject to change.
*APR = Annual Percentage Rate
Downpayment may be required to purchase real estate.

Land and Manufactured Housing (Rates As Low As)

Term	Rate	Payments per $1,000 per month of repayment	Downpayment
10 Years	5.45% APR*	$10.83	0 pts, 20% down
15 Years	5.99% APR*	$8.44	0 pts, 20% down
20 Years	6.99% APR*	$7.75	0 pts, 20% down
25 Years	7.99% APR*	$7.72	1 pts, 20% down

Rates are subject to change.
*APR = Annual Percentage Rate
Downpayment may be required to purchase real estate.
Refinancing from other institutions is available. Hazard insurance required.
Homeowners insurance required. Flood insurance required where necessary. Excludes
manufactured home and land primary residence, 1-4 family, owner occupied to qualified borrower only.

Home Equity Loans

3.25% APR*
(Prime + 0% APR*)

Rate will be adjusted quarterly

Home Improvement Loans

(Rates As Low As)
Fixed Rate Home Improvement (Rates As Low As)

Term	Rate	Payments per $1,000 per month of repayment
5 Years	4.25% APR*	$18.54
7 Years	4.95% APR*	$14.12
10 Years	5.25% APR*	$10.74
15 Years	5.50% APR*	$8.18

Rates are subject to change.
* APR = Annual Percentage Rate
Homeowners insurance required. Flood insurance required when necessary.

Unsecured Loans

(Rates As Low As)

Term	Rate	Payments per $1,000 per month of repayment
1 Year	10.00% APR*	$87.93
2 Years	12.00% APR*	$47.08
3 Years	13.90% APR*	$34.14
4 Years	13.90% APR*	$27.29
5 Years	14.90% APR*	$23.75

Rates are subject to change.
* APR = Annual Percentage Rate

Share Secured Loans

(Rates As Low As)

Term	Rate
1 Year	3.10% APR*
2 Years	3.10% APR*
3 Years	3.60% APR*
4 Years	3.60% APR*
5 Years	3.60% APR*

Rates are subject to change.
* APR = Annual Percentage Rate

Certificate Secured

(Rates As Low As)
Certificate Secured $500-$999 (Rates As Low As)

Term	Rate
6 Months	3.15% APR*
1 Year	3.15% APR*
2 Years	3.20% APR*
3 Years	3.75% APR*
4 Years	3.85% APR*
5 Years	4.00% APR*

Rates are subject to change.
* APR = Annual Percentage Rate

Certificate Secured $1,000 or More (Rates As Low As)

Term	Rate
6 Months	3.30% APR*
9 Months	3.45% APR*
1 Year	3.55% APR*
15 Months	3.55% APR*
2 Years	4.25% APR*
3 Years	4.60% APR*
4 Years	5.00% APR*
5 Years	5.50% APR*