Current Loan Rates      

 New and Used Auto Loan Rates
 As of January 29, 2009
 (Rates are subject to change without notice)
Type

Annual Percentage
Rate (APR)*

 Conditions Approximate Term  Financing
New Auto
(Model Years '07 '08 & '09)		 4.25 - 11.75%   24 months+ 100% of list
4.50 - 12.00%   36 months^ 100% of list
4.75 - 12.25%   48 months~ 100% of list
5.00 - 12.50%   60 months± 100% of list
6.05 - 13.05% $25,000+ 72 months§ 100% of list
7.55 - 14.55% $40,000+ 84 monthsƒ 100% of list
Used Auto
(Model Years '07 '08 & '09)		 4.25 - 11.75%   24 months+ 100% of NADA trade in
4.50 - 12.00%   36 months^ 100% of NADA trade in
4.75 - 12.25%   48 months~ 100% of NADA trade in
5.00 - 12.50%   60 months± 100% of NADA trade in
6.05 - 13.05% $25,000+ 72 months§ 100% of NADA trade in
7.55 - 14.55% $40,000+ 84 monthsƒ 100% of NADA trade in
Used Auto
(Model Years '00 & '08)		 4.25 - 11.75% ’00 -’08 Model Year 24 months+ 100% of NADA trade in
4.50 - 12.00% ’00 -’02 Model Year 36 months^ 100% of NADA trade in
4.75 - 12.25% ’03 -’06 Model Year 48 months~ 100% of NADA trade in
Special Interest
Auto		 4.25 - 11.75%      24 months+ 85% of appraised value
4.50 - 12.00%      36 months^ 85% of appraised value
4.75 - 12.25%   48 months~ 85% of appraised value
5.00 - 12.50%   60 months± 85% of appraised value
*Rate offered is based upon applicant’s credit history, services, down payment and available coupon. Rate offered will not fall below established floor limits. Credit conditions and qualifications apply.

Other Consumer Loans
As of March 20, 2008
Type

Annual Percentage
Rate (APR)*

 Conditions Approximate Term Financing
Fast Cash 9.50 - 18.00% Up to $15,000     Open end
New Motorhomes,
Travel Trailers,
Campers		 6.00 - 13.75% Up to $10,000 Up to 60 months±  90% of list
6.00 - 14.25%  $10,000+ Up to 72 months§ 90% of list
6.00 - 15.50% $20,000+ Up to 84 monthsƒ 90% of list
6.00 - 16.75%  $30,000+ Up to 120 months• 90% of list
Used Motorhomes,
Travel Trailers,
Campers		 6.00 - 13.75% Up to $10,000 Up to 60 months±  90% of NADA used retail
6.00 - 14.25%  $10,000+ Up to 72 months§ 90% of NADA used retail
6.00 - 15.50% $20,000+ Up to 84 monthsƒ 90% of NADA used retail
6.00 - 16.75%  $30,000+ Up to 120 months• 90% of NADA used retail
New Motorcycles 6.00 - 13.50% Up to $10,000 Up to 48 months~ 100% of list
6.00 - 13.75% $10,000+ Up to 60 months± 100% of list
Used Motorcycles 6.00 - 13.50% Up to $10,000 Up to 48 months~ 100% of NADA trade in
6.00 - 13.75% $10,000+ Up to 60 months±

100% of NADA trade in

New Boats & Trailers
(includes jet skis)		 6.00 - 13.75% Up to $20,000 Up to 60 months± 90% of list
6.00 - 15.75% $20,000 - $30,000 Up to 96 monthsç 90% of list
6.00 - 16.75% $30,000+ Up to 120 months• 90% of list
Used Boats & Motors
(includes jet skis)		 6.00 - 13.50% Up to $10,000 Up to 48 months~ 90% of NADA trade in
6.00 - 13.75% $10,000 to $20,000 Up to 60 months± 90% of NADA trade in
6.00 - 15.75% $20,000+ Up to 96 monthsç 90% of NADA trade in
Musical
Instrument
Loans		 6.00 - 13.00% Up to $2,000 Up to 24 months+ 100% of purchase price
6.00 - 13.50% $2,000 - $5,000 Up to 48 months~ 100% of purchase price
6.00 - 13.75% $5,001+ Up to 60 months± 100% of purchase price
Personal Loans 9.50 - 18.00% Up to $15,000 Up to 60 months±  
Computer Loans 6.00 - 13.00% Up to $2,000 Up to 24 months+ 100% of purchase price
6.00 - 13.25% $2,000 - $5,000 Up to 36 months^ 100% of purchase price
Airplane Loans 6.00 - 13.75% Up to $20,000 Up to 60 months± 90% of appraised value
6.00 - 15.50% $20,000+ Up to 84 monthsƒ 90% of appraised value
6.00 - 16.75% $30,000+ Up to 120 months• 90% of appraised value
New & Used
Farm Tractor
Loans		 6.00 - 13.25% Up to $6,000 Up to 36 months^ 90% of list or appraised value
6.00 - 13.75% $6,000+ Up to 60 months± 90% of list or appraised value
Savings
Secured Loans 		Previous quarter's
highest dividend rate
plus 2%		 Unencumbered Share Balance Up to 36 months•  
Stock
Secured Loans 		6.00 - 14.25% 80% of stock value Up to 72 months§  
*Rate offered is based upon applicant’s credit history, services, down payment and available coupon. Rate offered will not fall below established floor limits. Credit conditions and qualifications apply.

 +  24-month term. For a loan at 9.0% APR, 24 monthly payments of $45.69 per$1000 borrowed.

 Î   30 month term. For a loan at 9.0% APR, 30 monthly payment of $37.35 per $1000 borrowed.

 ^  36-month term. For a loan at 9.0% APR, 36 monthly payments of $31.81 per $1000 borrowed.

 »  42 month term. For a loan at 9.0% APR, 42 monthly payment of $27.85 per $1000 borrowed

 ~  48-month term. For a loan at 9.0% APR, 48 monthly payments of $24.89 per $1000 borrowed.

 ±  60-month term. For a loan at 9.0% APR, 60 monthly payments of $20.76 per $1000 borrowed.

 §  72-month term. For a loan at 9.0% APR, 72 monthly payments of $18.03 per $1000 borrowed.

 ƒ  84-month term. For a loan at 9.0% APR, 84 monthly payments of $16.10 per $1000 borrowed.

 ç  96-month term. For a loan at 9.0% APR, 96 monthly payments of $14.66 per $1000 borrowed.

 ÷ 108-month term. For a loan at 9.0% APR, 108 monthly payments of $13.55 per $1000 borrowed.

 •  120-month term. For a loan at 9.0% APR, 120 monthly payments of $12.68 per $1000 borrowed.


 Mortgage Loans

 Please call the Credit Union for the most up-to-date rate, term and financing information.

Credit Cards
As of January 3, 2008
Visa Classic
Annual Percentage Rate:
(rates fixed)
11.9%
Other Annual Percentage Rate:
(cash advance & balance transfers)
11.9%
Variable Rate Information:
None
Grace Period for repayment of balances for purchases: You have 25 days to repay your balance for purchases before a finance charge on purchases will be imposed.
Method of computing the balance for purchases: Average daily balance including new purchases.
Cash Advance Fee:
None
Annual Card Fees:
None
Minimum Finance Charge:
None
Transaction Fee for Purchases:
None
Fees for paying late or exceeding the credit limit: Late payment fee: $20
Over the limit fee: $20/mo.
The information about costs of the card(s) described in this application was posted and is accurate as of July 17, 2003.This information may change after that date.To find out what may have changed, you should call us at (770) 719-1111 or (800) 338-5882 or write us at P.O. Box 1509, Fayetteville, Georgia 30214-6509.
Visa Standard Gold
Annual Percentage Rate:
(rates fixed)
9.9%
Other Annual Percentage Rate:
(cash advance & balance transfers)
9.9%
Variable Rate Information: None
Grace Period for repayment of balances for purchases: You have 25 days to repay your balance for purchases before a finance charge on purchases will be imposed.
Method of computing the balance for purchases: Average daily balance including new purchases.
Cash Advance Fee: None
Annual Card Fees: None
Minimum Finance Charge: None
Transaction Fee for Purchases: None
Fees for paying late or exceeding the credit limit: Late payment fee: $20
Over the limit fee: $20/mo.
The information about costs of the card(s) described in this application was posted and is accurate as of July 17, 2003. This information may change after that date.To find out what may have changed, you should call us at (770) 719-1111 or (800) 338-5882 or write us at PO Box 1509, Fayetteville, Georgia 30214-6509.
Visa Platinum
Annual Percentage Rate:
(rates variable)
Prime Rate
Other Annual Percentage Rate:
(cash advance & balance transfers)
Prime Rate
Variable Rate Information: Your Annual Percentage Rate may vary.The Rate is the Prime Rate as listed in the Money Rates Section of The Wall Street Journal as of the last day of business each month, but will not be less than 7.0% APR or greater than 8.9%.
Grace Period for repayment of balances for purchases: You have 25 days to repay your balance for purchases before a finance charge on purchases will be imposed.
Method of computing the balance for purchases: Average daily balance including new purchases.
Cash Advance Fee: None
Annual Card Fees: $25.00 per year
Minimum Finance Charge: None
Transaction Fee for Purchases: None
Fees for paying late or exceeding the credit limit: Late payment fee: $20
Over the limit fee: $20/mo.

The information about costs of the card(s) described in this application was posted and is accurate as of January 1, 2007. This information may change after that date.To find out what may have changed, you should call us at (770) 719-1111 or (800) 338-5882 or write us at PO Box 1509, Fayetteville, Georgia 30214-6509.