loan rates

Loan Rates

Updated: August 31, 2009

TYPE	INTEREST RATE (APR)	MAXIMUM TERM	COLLATERAL	MAXIMUM AMOUNT
SIGNATURE OR REVOLVING LOAN	7.50% up to 18.00% Loan application must be completed to quote rate	UP TO 72 MONTHS	SIGNATURE	UP TO $25,000 ACCORDING TO SIGNATURE LOAN POLICY
SPECIAL LOAN PROMOTIONS (BACK TO SCHOOL, VACATION, CHRISTMAS)	Rate determined by Board of Directors prior to promotion. Limited promotional period. Contact CU for additional information.	UP TO 12 MONTHS	SIGNATURE	DETERMINED BY BOARD OF DIRECTORS PRIOR TO PROMOTION
TUITION	7.50%	UP TO 12 MONTHS	SIGNATURE	100% OF SCHOOL FEE STATEMENT
MORTGAGES	Contact us TODAY to get the current rates and terms	1st MORTGAGE: 30 YEARS	PROPERTY IN: TX,LA, MS	------
NEW VEHICLES	4.95% up to 17.00% Loan application must be completed to quote rate	UP TO 72 MONTHS	AUTOMOBILE, TRUCK, SUV	100% OF PURCHASE PRICE
USED VEHICLES	5.35% up to 17.50% Loan application must be completed to quote rate	UP TO 72 MONTHS	AUTOMOBILE, TRUCK, SUV	100% OF PURCHASE PRICE
RV/MOTOR HOMES	6.20% UP TO 7.45% Loan application must be completed to quote rate	36 MONTHS UP TO 144 MONTHS	RV, MOTOR HOME, CAMPERS, TRAILERS	80% OF PURCHASE PRICE MAXIMUM LOAN $200,000
NEW COLLATERAL	6.20% up to 18.00% Loan application must be completed to quote rate	UP TO 72 MONTHS	MOTORCYCLE,BOAT, TRAILER, TRACTOR, 4-WHEELER	100% OF PURCHASE PRICE UP TO $40,000
USED COLLATERAL	6.45% up to 18.00% Loan application must be completed to quote rate	UP TO 72 MONTHS	MOTORCYCLE, BOAT, TRAILER, TRACTOR, 4-WHEELER,	100% OF PURCHASE PRICE UP TO $40,000
SHARE SECURED	1% ABOVE HIGHEST RATE BEING PAID	72 MONTHS	SHARES	SHARE BALANCE
STOCK	5.50%	12 MONTHS	STOCK *	75% CURRENT MARKET VALUE
VISA CLASSIC	11.90% up to 16.00%	2% OUTSTANDING BALANCE $5. MIN.	SIGNATURE	UP TO $10,000
VISA GOLD	9.20% up to 14.50% + Cash Back **	2% OUTSTANDING BALANCE/$5.MIN	SIGNATURE	UP TO $25,000
VISA PLATINUM	8.50% up to 13.50% + Scorecard Bonus Points	2% OUTSTANDING BALANCE/$5. MIN	SIGNATURE	UP TO $25,000

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. OTHER GUIDELINES MAY APPLY.

* Stock must be traded on the NY Stock Exchange or the American Stock Exchange
** See cash back grid
*** Over $250,000 need Board approval

*************Signature and Revolving Loan Maximum Eligibility Grid*********

YEARS OF SERVICE	ANNUAL SALARY (Thousands) $ 10-35 $35-50 $50-70 $70+ MAXIMUM ELIGIBILITY	MAXIMUM TERM
1-5 YR	$5,000 $7,000 $10,000 $15,000	60 MO
6-10 YR	$6,000 $10,000 $15,000 $20,000	72 MO
10-20 YR	$8,000 $15,000 $18,000 $22,000	72 MO
20 + YR	$10,000 $18,000 $20,000 $25,000	72 MO

In addition to annual salary and years of service, maximum eligibility
is based on credit worthiness.

**************************CASH BACK GRID******************************

YEARLY PURCHASES

CASH BACK BONUS

Over	Up to
$0	$1,000	.25%
$1,000	$2,000	.50%
$2,000	$3,000	.75%
$3,000		1.00%

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