Foothill Federal Credit Union: Loan Rates

Loans

Special: New Autos Only
Effective Date: February 4, 2012
100% of Retail on Purchases (FICO score of 730 and above)
APR	Minimum Loan Amount	Term (months)	Estimated Payment/$1,000
2.50%	N/A	24	$42.76
2.50%	N/A	36	$28.86
2.50%	N/A	48	$21.91
2.50%	$10,001	60	$17.75
Deduct an additonal .25% for auto transfer with direct deposit or payroll deduction and an additional .25% for autos purchased through New Cars Inc.

New Auto Loans
Effective Date: February 4, 2012
100% of Retail on Purchases
APR	Minimum Loan Amount	Term (months)	Estimated Payment/$1,000
2.75%-15.75%	N/A	24	$42.87-$48.84
3.00%-16.00%	N/A	36	$29.08-$35.16
3.25%-16.25%	N/A	48	$22.25- $28.47
3.50%-16.50%	$10,001	60	$18.19-$24.58
3.75%-16.75%	$20,001	72	$15.53 - $22.11
4.25%-17.25%	$30,001	84	$13.78 - $20.58
Deduct an additonal .25% for auto transfer with direct deposit or payroll deduction
Auto loans purchased through New Cars Inc., deduct an additional .25%

Used Auto Loans
Effective Date: February 4, 2012
100% of Retail on Purchases
APR	Minimum Loan Amount	Term (months)	Estimated Payment/$1,000
2.75%-15.75%	N/A	24	$42.87-$48.84
3.00%-16.00%	N/A	36	$29.08-$35.16
3.25%-16.25%	N/A	48	$22.25-$28.47
3.50%-16.50%	$10,001	60	$18.19- $24.58
3.75%-16.75%	$20,001	72	$15.53-$22.11
4.25%-17.25%	$30,001	84	$13.78-$20.58
Deduct an additonal .25% for auto transfer with direct deposit or payroll deduction
Auto loans purchased through New Cars Inc., deduct an additional .25%

New Boats, Personal Water Craft
Effective Date: February 4, 2012
90% of Purchase Price
APR	Minimum Loan Amount	Term (months)	Estimated Payment/$1,000
2.75%-15.75%	N/A	24	$42.87-$48.84
3.00%-16.00%	N/A	36	$29.08-$35.16
3.25%-16.25%	N/A	48	$22.25-$28.47
3.50%-16.50%	$10,001	60	$18.19-$24.58
3.75%-16.75%	$20,001	72	$15.53-$22.11
4.25%-17.25%	$30,001	up to 120	$13.78-$20.58
Deduct an additonal .25% for auto transfer with direct deposit or payroll deduction

Used Boats, Personal Water Craft
Effective Date: February 4, 2012
100% of Wholesale
APR	Minimum Loan Amount	Term (months)	Estimated Payment/$1,000
2.75%-15.75%	N/A	24	$42.87-$48.84
3.00%-16.00%	N/A	36	$29.08-$35.16
3.25%-16.25%	N/A	48	$22.25-$28.47
3.50%-16.50%	$10,001	60	$18.19-$24.58
3.75%-16.75%	$20,001	72	$15.53-$22.11
4.25%-17.25%	$30,001	84	$13.78-$20.58
Deduct and additional .25% for auto transfer with direct deposit or payroll deduction

New Motorhomes, Motorcycles and Travel Trailers
Effective Date: February 4, 2012
85% of Purchase Price
APR	Minimum Loan Amount	Term (months)	Estimated Payment/$1,000
2.75%-15.75%	N/A	24	$42.87-$48.84
3.00%-16.00%	N/A	36	$29.08-$35.16
3.25%-16.25%	N/A	48	$22.25-$28.47
3.50%-16.50%	$10,001	60	$18.19-$24.58
3.75%-16.75%	$20,001	72	$15.53-$22.11
4.25%-17.25%	$30,001	84 +	$13.78-$20.58
Deduct and additional .25% for auto transfer with direct deposit or payroll deduction

Used Motorhomes, Motorcyles and Travel Trailers
Effective Date: February 4, 2012
85% of Wholesale
APR	Minimum Loan Amount	Term (months)	Estimated Payment/$1,000
2.75%-15.75%	N/A	24	$42.87-$48.84
3.00%-16.00%	N/A	36	$29.08-$35.16
3.25%-16.25%	N/A	48	$22.25-$28.47
3.50%-16.50%	$10,001	60	$18.19-$24.58
3.75%16.75%	$20,001	72	$15.53-$22.11
4.25%-17.25%	$30,001	84 +	$13.78-$20.58
Deduct and additional. 25% for auto transfer with direct deposit or payroll deduction

Personal Loans
Effective Date: February 4, 2012
Term	APR	Loan Amount	Term (months)	Estimated Payment/$1,000
Signature Loan	9.75%-17.75%	$500 Minimum - $20,000 Maximum	48	$26.49 - $28.99
Credit Line	9.75%-17.75%	$20,000 Maximum	48	$26.49 - $28.99
Deduct an additional .25% for auto transfer with direct deposit or payroll deduction
Credit Builder	9.90%	$1,000 Minimum with a $5,000 Maximum	36	$32.22

Master Card
Effective Date: February 4, 2012

Term	APR	Loan Amount	Term (months)
Platinum Rewards	10.25%-17.90%	$20,000 Maximum	N/A
Platinum	8.75%-17.90%	$4,999 Maximum	N/A
Credit Builder	17.90%	To be determined by amount secured in shares	N/A
A rate is based on a variety of factors, including the applicants credit rating.

Share Secured
Effective Date: February 4, 2012
Loan Type	Term	Current APR
Share Secured	N/A	2.10%
Certificate Secured	Up to 60 months	6.74% - 6.55%
Share secured and Certificate secured loans are available for up to 100% of the share or certificate balance at 2% over the current rate.

Deduct an additional .25% for loan with with Direct Deposit or Payroll Deduction with Automatic Payment Transfer (Real Estate loans and MasterCard excluded). Deduction may result on a lower payment than what is posted or sampled.

This summary is for information purpose only. Loan amounts, terms, and interest rates are subject to change without notice. All loans are subject to credit approval. Credit life and Disability Insurance is available on all loans except Real Estate loans.

Loan approval subject to credit and income evaluation.

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