LOAN RATES AND INFORMATION:

New Auto, Van, Pickup, SUV 2010 (less than 20K miles) or Newer
Amount Financed	Term (up to)	APR1
Up to 100% Financing2	36 Months	1.76% - 12.26%
	48 Months	1.89% - 12.39%
	60 Months	1.99% - 12.49%
	72 Months**	2.99% - 13.49%
	84 Months**	2.99% - 13.49%

Used Auto, Van, Pickup, SUV 2010 (more than 20K miles) to 2006 Amount Financed Term (up to) APR1 Up to 100% Financing2 36 Months 1.89% - 12.39%   48 Months 2.49% - 12.99%   60 Months 2.49% - 12.99%   72 Months** 2.99% - 13.49%   84 Months** 2.99% - 13.49%       New Auto, Van, Pickup, SUV 2005 and older Amount Financed Term (up to) APR1 Up to 100% Financing2 36 Months 3.89% - 14.39%   48 Months 4.49% - 14.99%       Used RV $20K or more Amount Financed Term (up to) APR1 Up to 100% Financing2 96 Months 6.75% - 17.25%       Used RV under $20K Amount Financed Term (up to) APR1 Up to 100% Financing2 60 Months 6.75% - 17.25%       New RV (current & previous year over $25K and under 20K miles) Amount Financed Term (up to) APR1 Up to 100% Financing2 72 months 6.25% - 16.75%       New RV (current & previous year under $25K and under 20K miles) Amount Financed Term (up to) APR1 Up to 100% Financing2 72 months 6.25% - 16.75%		New Motorcycle & Farm Equipment (current & previous year under 6000 miles) Amount Financed Term (up to) APR1 Up to 100% Financing2 72 months 9.00% - 18.00%       Used Motorcycle & Farm Equipment Up to 100% Financing2 60 months 10.00% - 18.00%       Share Secured Loans 3% above share dividend rate       Certificate Secured Loans 2% above paying rate of certificates   Signature Loans & Line-of-Credit 9.90% APR1 up to 36-month term Maximum $25,000.00   Visa® Credit Card 9.99% APR1 Maximum $9,000.00 To request a Visa® Credit Card Agreement please call 1-800-642-5182   HELOC Loans (Home Equity Line of Credit) 20 Years up to $120,000.00 3.50% + 182 Day T-Bill   First Mortgage Credit Union Home Loans
* Rates are based on your credit history and credit qualifications. All loans are subject to approved credit. ** Estimated repayment periods 72 month repayments period requires a $10,000 minimum loan amount and 84 month requires a credit score of 640 and or a minimum loan amount of $18,000. 1 APR is the Annual Percentage Rate. Rates include a .50% discount for automatic payment from an IBEW/SJ Cascade FCU account and electronic delivery of your monthly statement. Monies must be on deposit before the date of the due date of the automatic payment.  If the automatic payment option and or the electronic delivery of your monthly statement are cancelled during the life of the loan, the rate will subsequently increase by .50%.  Additional terms may apply; contact the Credit Union for more information. 2 We finance new vehicles up to 100% of KBB retail value MSRP, plus any taxes, title fees, or dealer maintenance contracts for Tiers 1-2 borrowers for Tier 3 up to 90% of KBB, Tier 4 up to 80% and Tier 5 up to 50%. Financing for used vehicles used 2010 to 2006 for Tier 1-2 borrowers up to 100% of KBB Private Party; for Tier 3 up to 80% of KBB Private Party; Tier 4 up to 70% of KBB Private Party, Tier 5 up to 50% of KBB Private Party. Financing for older used vehicles 2007 and older 100% for Tier 1-2; borrowers for Tier 3 up to 80% of KBB Trade-In Value, Tier 4 up to 70% of KBB Trade-In Value, Tier 5 up to 50% of KBB Trade-In Value.