FPCU Loan Rates

Rates and terms are subject to change without notice.

Effective Date: Monday, January 05, 2009

New and Used Vehicle Loans	Terms Available	Annual Percentage Rate*
New and Used Auto Loans (Auto, Trucks, Vans)	up to 48 months	as low as 4.99%**
Recreational Vehicles	up to 180 months	as low as 7.50%
Boats and Watercraft	up to 60 months 61-84 months	as low as 7.74% as low as 7.99%
Motorcycles and ATVs	up to 84 months	as low as 7.99%

Personal Loans	Terms Available	Annual Percentage Rate
Line of Credit	open end	as low as 6.25% ***
Signature Loan	up to 48 months	as low as 9.75%

Share Secured Loans	Terms Available	Annual Percentage Rate
Savings Secured Loan 100% of Share Savings Account ($500 minimum)	up to 60 months	Dividend Rate + 3%
Certificate Secured Loan 100% of Certificate ($500 minimum)	prior to certificate maturity	Certificate Rate +3%

Certain conditions and restrictions apply; your rate may be higher. Final rate is based on creditworthiness and term of the loan. Not all members will receive the lowest interest rate. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. All rates and terms are subject to change without notice.

Maximum combined signature and unsecured line of credit not to exceed $30,000.

*Rates include a .25% discount for automatic payment.

**Maximum vehicle loan financing includes tax, title, license, Mechanical Breakdown Protection, credit life and disability insurance.

***Rate is adjustable, based on prime, is subject to change daily and includes a .25% rate discount for automatic payment. A $35.00 service charge will be assessed on those lines that have no activity for a consecutive 12 month period.