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Personal Banking

Loan Rates

Consumer Loans

Loan Term APR**
Signature Loans ($20,000 max) Up to 24 Months 8.99%
Checking Protection ($15,000 max) Up to 60 Months 8.99%
Line of Credit ($15,000 max) N/A 8.99%
Share Secured Up to 24 Months 6.00%
CD Secured Up to 24 Months 2.00% above CD rate

New & Used Auto Loans

Type Term APR**
New/Used Vehicles 2011 and newer Up to 72 Months (over $10,000) 2.49%†
New/Used Vehicles 2011 and newer 73-84 Months (over $25,000) 3.04%†
Used Vehicles 2010 - 2004 up to 60 months 4.49%††
Vehicles older than 10 Years - Call the CU See Credit Union
Autos include: Cars, Trucks, and Vans. Rates depend on mileage, restrictions may apply. See CU representative for additional information. † 2009 and newer with less than 100,000 miles. Rates include a .25% discount for autopay (automatic payments). †† 2004-2010 with less than 100,000 miles.

Recreational Equipment

Type Term APR**
New & Used Boats, Jet Ski, RV & ATV Loan Amount Less Than $20,000 Up to 60 Months 5.49%
Loan Amount More Than $25,001 72 - 84 Months 5.49%
Loan Amount More Than $40,000 85 - 120 Months 6.49%
New & Used Motorcycles Loan amount Less Than $25,000 12 - 72 Months 5.49%
Loan amount More Than $25,001 73 - 84 Months 6.49%

Home Equity Loans

Fixed Rate Term APR**
Home Equity Loan 8 Years (Up to 80% LTV) as low as 3.99%
15 Years (Up to 80% LTV) as low as 4.50%
HELOC 10 Year Draw 15 Year Repayments (Up to 80% LTV) 4.00% based on Wall Street Prime †
See Credit Union Representative for details

First Mortgage Loans

Flexible Mortgage Loans Term APR**
First Mortgage Loans available with low rates and flexible terms. Contact the CU for current rates. 636-916-8300 - This is not an advertisement to extend credit under Reg. Z. All loans subject to approval.

Rates Effective 11/21/2013
Rates Subject To Change

*APY = Annual Percentage Yield

** APR = Annual Percentage Rate. Consumer Loan rates are quoted with a .25% discount for auto pay (automatic payments).

† The Annual Percentage Rate (APR) is based on the value of an index. The index is based on the highest Prime rate as published in the Money Rates Section of the Wall Street Journal on the fifth day of the last month prior to each calendar quarter (January, April, July, October). The APR is the index (Prime) plus the margin of zero. The maximum APR is 18% and the minimum APR is 4.00%. Prime rate was 3.25% APR as of July 1, 2013. The minimum line amount is $10,000 up to a maximum of $100,000. Initial advance of $2,500 is required. Payment is 1% of balance and is due monthly, with a minimum payment of $100. HELOC will have a ten year draw period with an additional five years to repay. Maximum loan-to-value (LTV) based on credit rating up to 80%. Valid for owner-occupied dwellings in Missouri and Illinois. Consult a tax advisor for tax deductibility.


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