New and Used Vehicles Recreational  Vehicles (including Boats and Campers) Personal or Signature Loans Line of Credit/Overdraft Loans Visa Home Equity Loans (Fixed Rates)   Home Equity Line of Credit (Variable Rate)  Mortgage Loans

Rates effective as of September 19, 2008 • A.P.R. = annual percentage rate • Rates subject to change without notice

New Vehicles	A.P.R.
Up to 48 months	as low as 4.49%
49 to 60 months	as low as 4.99%
61 to 72 months	as low as 5.24%

Used Vehicles (2008 to 2004, including classic vehicles)	A.P.R.
Up to 36 months	as low as 4.49%
37 to 48 months	as low as 4.99%
49 to 60 months	as low as 5.49%

Used Vehicles (2003 to 2000)	A.P.R.
Up to 36 months	as low as 4.99%
37 to 48 months	as low as 5.49%

New Recreational Vehicles (including Boats, Campers and Travel Trailers up to $50,000. Down payment required. )	Minimum Loan Amount	A.P.R.
Up to 60 months	none	as low as 5.49%
61 to 120 months	$15,000.00	as low as 6.49%
121 to 180 months	$25,000.00	as low as 6.99%

Used Recreational Vehicles (2000 and newer)	Minimum Loan Amount	A.P.R.
Up to 60 months	none	as low as 5.74%
61 to 120 months	$15,000.00	as low as 6.99%
121 to 180 months	$25,000.00	as low as 7.49%

Other Secured (including personal watercraft and snowmobiles up to $25,000)	A.P.R.
Up to 36 months	as low as 5.24%
37 to 48 months	as low as 5.49%
49 to 60 months	as low as 5.74%

Mobile Homes (up to $40,000 must be primary residence) 20% Down payment required.	Minimum Loan Amount	A.P.R.
Up to 72 months	none	as low as 6.24%
73 to 120 months	$15,000.00	as low as 7.49%
121 to 180 months	$25,000.00	as low as 8.24%

Share Secured (100% secured by funds on deposit excluding IRAs)	A.P.R.
Up to 60 months	4.00%
61 to 84 months	5.00%
85 to 120 months	6.00%

Personal or Signature Loans (up to $10,000)	A.P.R.
Up to 24 months	as low as 7.65%
25 to 48 months	as low as 8.65%

Line of Credit (up to $10,000)

A.P.R. as low as 8.99%

Home Equity Loans (Fixed Rate) from $5,000 to $100,000	A.P.R.
Up to 60 months	as low as 5.99%
61 to 120 months	as low as 6.74%
121 to 180 months	as low as 7.24%
181 to 240 months	as low as 8.24%

Home Equity Lines of Credit (Variable rate) from $5,000.00 to $100,000

A.P.R. as low as 4.00%

VISA	A.P.R.
Visa Classic	as low as 8.99% A.P.R
Visa Platinum (up to $10,000) with ScoreCard bonus points!	as low as 8.99% A.P.R
Stop in today to apply or click here for an application. For more information call 586-756-5010 or email us.

Mortgage Rates

Click here for our current Mortgage Rates

• Deduct .25% off all loan rates (excluding Visa, Real Estate, Mobile Homes, Share Secured and Lines of Credit) with direct deposit and auto payment.
• Rates are effective 10/29/2008 and are expressed as an Annual Percentage Rate (A.P.R.). All rates to change without notice.
• Final loan rates are based on the primary applicants Trans Union credit score, loan type, and loan term.
• All AAA auto club members receive a 0.25% discount off of loan rates (excluding mobile home loans, real estate loans, share secured, and unsecured loans) by showing a valid AAA membership card.
• Above rates include all applicable discounts. Other terms and conditions may apply.

St. Cletus Credit Union