First Class Credit Union Loans and Rates
as of 07/23/10

Loan	Term	APR*
New Auto Loan (purchase price minimum of $20,000)	Up to 72 mos.	As low as 4.99%
Used Auto Loan	Up to 72 mos.	As low as 5.24%
5 Yr. Fixed Rate Home Equity Loan	5 Years	4.250%
7 Yr. Fixed Rate Home Equity Loan	7 Years	4.500%
10 Yr. Fixed Rate Home Equity Loan	10 Years	4.750%
Home Equity Variable Rate Line of Credit	See Loan Officer	4.375%
15 Yr. 1st Mortgage	15 Years	3.875%
30 Yr. 1st Mortgage	30 Years	4.375%
Unsecured Loan	See Loan Officer	As low as 13.50%
Share/Secured Loan	See Loan Officer	See Loan Officer
Sharedraft/Overdraft Line of Credit	See Loan Officer	13.9%
Recreational Loan	See Loan Officer	See Loan Officer
Holiday Loans (Available Oct. 1-Dec. 24 each year)	See Loan Officer	See Loan Officer

contact us for details

Autos
Payment example: pay $18.87 per month for 60 months per every $1,000.00 borrowed at 4.99%APR.
Payment example: pay $16.10 per month for 72 months per every $1,000.00 borrowed at 4.99%APR. 

Fixed Rate Closed End Home Equity Loan 
Payment example: pay $10.80 per month for 120 months per every $1,000.00 borrowed at 5.375%APR.

Variable Rate Home Equity Line of Credit
Payment example: pay $18.59 per month for 60 months per every $1,000.00 borrowed at 4.375%APR
(60 months to borrow money, 120 months to pay back)

Mortgages
Payment example: pay $5.53 per month for 360 months per every $1,000.00 borrowed at 5.325%APR

Personal Loans: Overdraft Protection Line of Credit
Minimum of $35.00 for any payment on an L9 loan.

*APR = Annual Percentage Rate

Rates subject to change, certain restrictions apply, please