The interest rates for loans are specified by the Board of Directors. Rates are stated as an Annual Percentage Rate (*APR) and are applied as simple interest on the unpaid balances.

The rates shown are as of January 1, 2012.

Account Type Term APR*

New Autos 72 Month Max 4.50%

Account Type Term APR*

New & Used Auto 2008-2012) 36 Month Max 4.00%

48 Month Max 4.00%

60 Month Max 4.00%

Account Type Term APR*

Used Auto (2004-2007) 36 Month Max 4.75%

48 Month Max 4.75%

60 Month Max 4.75%

Account Type Term APR*

Used Auto (2003 & Older) 36 Month Max 7.00%

Account Type Term APR*

Home Equity 15 Year Max 4.00%*

Account Type Term APR*

Share Secured - 4.50%*

Account Type Term APR*

Signature 36 Month Max 12.00%

* Note: Variable Rate, 2.5% above the 11th District Cost of Funds Index, rounded to the next 1/4%.