Auto Loans

Effective May 1, 2013 to May 31, 2013
Preferred discounts are not available for current rates
**Rates are subject to change without notice, special promotional rates do not apply to loans already financed at the Credit Union.**
Loan Types	Terms	Daily Periodic Rate	Annual Percentage Rate

Secured Loans: Automobiles - Promotional rates do not qualify for discounts
	Up to 60 Months	0.005452%–0.036986%	1.99%–13.50%
	Up to 72 Months	0.007507%–0.037397%	2.74%–13.65%
			* Based on credit qualification
*Preferred Rates please read below.

Annual Percentage Rate (APR)
The APR you receive for the sub accounts (except Share Secured, Stock Secured, and Certificate Secured) will be within the range disclosed above and is based on your credit worthiness. Ask the credit union for the rate you qualify to receive. Rates are guaranteed for 30 days from pre-approval notice.

Late Charge
You will pay 20% of the interest due if payment is more than 10 days late.
Minimum $0.05 - $100.00 maximum.

Collection Costs
You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.

Certificate Secured
The APR will be the dividend rate being paid on the Shared Certificate of Deposit as security (index) plus 2.5% (margin). The approximate term of the advance may not exceed the term of the certificate offered as security for a certificate secured loan. The APR and daily periodic rate will be disclosed on the Closed-End Note at the time of the advance.

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