Rate Chart – Other Consumer Loans

Other Consumer Loans1        1/18/2019
 
Type Annual Percentage Rate (APR)** Conditions Term Financing
Fast Cash Line of Credit 10.00% – 17.99% Up to $15,000 Revolving Open End
New Motorhomes, Travel Trailers, Campers 4.50% – 14.50% Up to $10,000 Up to 60 Months 90% of List
  5.00% – 14.50% $10,000+ Up to 72 Months 90% of List
  5.25% – 14.50% $20,000+ Up to 84 Months 90% of List
  6.25% – 14.50% $30,000+ Up to 120 Months 90% of List
  7.0% – 14.50% 75,000+ Up to 180 Months 90 % of list
Used Motorhomes, Travel Trailers, Campers 4.50% – 14.50% Up to $10,000 Up to 60 Months 90% of NADA Used Retail
  5.00% – 14.50% $10,000+ Up to 72 Months 90% of NADA Used Retail
  5.25% – 14.50% $20,000+ Up to 84 Months 90% of NADA Used Retail
  6.25% – 14.50% $30,000+ Up to 120 Months 90% of NADA Used Retail
  7.00% – 14.50% 75,000+ Up to 180 Months 90% of NADA Used Retail
New Motorcycles 4.25% – 14.50% Up to $10,000 Up to 48 Months 90% of List
  4.50% – 14.50% $10,000+ Up to 60 Months 90% of List
Used Motorcycles 4.25% – 14.50% Up to $10,000 Up to 48 Months 90% of NADA Trade In
  4.50% – 14.50% $10,000+ Up to 60 Months 90% of NADA Trade In
New Boats & Trailers (includes Jet Skis) 4.50% – 14.50% Up to $10,000 Up to 60 Months 90% of List
  5.75% – 14.50% $20,000- $30,000 Up to 96 Months 90% of List
  6.25% – 14.50% $30,000+ Up to 120 Months 90% of List
Used Boats & Motors (includes Jet Skis) 4.25%- 14.50% Up to $10,000 Up to 48 Months 90% of NADA Trade In
  4.50% – 14.50% $10,000- $20,000 Up to 60 Months 90% of NADA Trade In
  5.75% – 14.50% $20,000+ Up to 96 Months 90% of NADA Trade In
Musical Instruments Loans 3.75% – 14.50% Up to $2,000 Up to 24 Months 100% of Purchase Price
  4.00% – 14.50% $2,000- $5,000 Up to 48 Months 100% of Purchase Price
  4.50% – 14.50% $5,001+ Up to 60 Months 100% of Purchase Price
Personal Loans 8.25% – 17.99% Up to $15,000 Up to 72 Months Financing
Computer Loans 3.75% – 14.50% Up to $2,000 Up to 24 Months 100% of Purchase Price
  4.00% – 14.50% $2,000- $5,000 Up to 36 Months 100% of Purchase Price
New & Used Farm Tractor Loans 4.00% – 14.50% Up to $6,000 Up to 36 Months 90% of List or Appriased Value
  4.50% – 14.50% $6,000+ Up to 60 Months 90% of List or Appriased Value
Savings Secured Loans< Previous Qtr’s Highest Dividend Rate Plus 2% Unencumbered Share Balance Up to 36 Months Your rate may vary with Qtr’s highest dividend rate
Stock Secured Loans 3.75% – 14.50% 80% of Stock value Up to 72 Months  
1** Annual percentage rate. This offer includes .50% for 10% equity. Offer and rate are based on applicant’s credit history. Credit conditions and qualifications apply. Rates offered may require down payment of 10% and arrangement for automatic repayment. Rates and terms subject to credit approval and subject to change without notice. Other restrictions may apply. Offer excludes all loans financed at the Credit Union. A $10,000.00 loan at an APR of 3.00% for 60 payments would yield a monthly payment of $179.71.Offer coupon may not be used in conjunction with any other promotion or applied to existing vehicle loans with The Southern Credit Union.*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.

<Share Secured: If checked, this is a Share-Secured loan and the Annual Percentage Rate disclosed above may increase or decrease during the term of
this transaction if the current dividend rate offered on the collateral pledged increases or decreases. The ANNUAL PERCENTAGE RATE will be equal to
Annual Percentage Yield of the collateral pledged plus a margin of 2.00% rounded up to the nearest .01%. An increase or decrease will take effect on the
first day of January, April, July, and October following a change in dividend rates. The Annual Percentage Rate will never be more than the maximum rate
allowed by applicable law or lower than 2%. Any increase will take the form of more payments of the same amount. EXAMPLE: If your loan was $10,000 at
6% for 120 months and the rate increased to 7.00% after 3 years, you would have to make 4 additional payments.