Loan Rates

Credit Disclosure

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Loan	APR* as low as	Discounted** APR as low as	Max Financing
All rates effective: – 01/04/12
Auto/Vehicle Loans - New –	3.55%	2.95%
Auto/Vehicle Loans - Used – 2008-2011	3.85%	3.25%
Auto/Vehicle Loans - Used – 2005-2007	4.35%	3.75%
Auto/Vehicle Loans - Used – 2004 & Older	4.85%	4.25%
Boat/Jet Ski Loans - New –	8.25%	7.65%
Boat/Jet Ski Loans - Used – 2005 - 2011	8.50%	7.90%
Boat/Jet Ski Loans - Used1 – 2004 & Older	9.00%	8.40%
BOOSTERline 1st. non-pur & 2nd mtg. – Notes: Maximum term limits apply.			Call for details

Christmas Loan – Xmas Loan	7.75%		$1,500
First Mortgages	Call for today's rates.
Home Equity Loan – Notes: Maximum term limits apply.			Call for details
Rental Property Mortgage – Notes: Maximum term limits apply.			Call for details
Motorcycle Loans - New –	7.50%	6.90%
Motorcycle Loans - Used – 2005 - 20101	7.75%	7.15%
Motorcycle Loans - Used1 – 2004 & Older	8.25%	7.65%
Other Loans – Equipment Loan Notes: Maximum term limits apply. Call for details.	10.00%	9.40%
Other Loans – Firehouse loan Notes: Two signatures req'd for financing. Maximum term limits apply. Call for details.	7.00%		$3,500
Overdraft Loan – $1,000 Max	15.00%

RV & Campers - New –	7.25%	6.65%
RV & Campers - Used – 2001 - 2011	7.50%	6.90%
RV & Campers - Used1 – 2000 & Older	8.00%	7.40%
Share Secured Loan - Regular & Special – Secured by Firefighters Credit Union Shares Loan APR is 4% over dividend rate. Certificate Secured: Loan APR is 4% over Certificate dividend rate held as collateral. Finance amounts and term amounts equal to Certificate amount and term. Contact the Credit Union for more details.
Personal Loans – $7,500 Max Agg. Amt.	13.00%
Vacation Loan –	10.00%		Max. loan amount $2,000
VISA Credit Card – Classic Notes: Max. term based on line of credit. Interest rate is determined by credit score.	13.90%		Up to $10,000
VISA Credit Card – Platinum Notes: 8.9% on purchases - 10.9% on cash advances & balance transfers. Credit score of 680 or higher required.

*APR = Annual Percentage Rate – Contact Credit Union for sample payment amounts and repayment options. Rates are determined by credit rating. Credit approval required. Rates, terms and conditions apply and are subject to change without notice.

** To receive the total .60% discounted rate, the member must have an existing or paid off loan and an open and active Firefighters CU Checking Account and have their monthly payment posted through a Payroll Deduction or ACH. If the member has an active Firefighters CU Checking Account, they will receive a .20% off the rate for which they qualify. If they have their monthly payment posted through Payroll Deduction or they chose to have their monthly payment deducted from an account at another financial institution via ACH, they will receive .20% off of the rate for which they qualify. If they have an existing loan in good standing or have paid off a loan with the credit union they can receive .20% off the rate for which they qualify.