Scenic Falls Federal Credit Union

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Loan Rates

Rates Effective as of August 14, 2008
The APR, excluding Share Secured, Share Certificate, PSL and Share Draft Overdrafts, will be adjusted based on your Fair Isaac credit score.

Approximate Term

Credit Scores & Rates (APR)*

680 - 719

574 or less

Share Secured

12 Months
(APY +1%)

5.00%

APR = APY + 2% with a minimum of 5.0%

New Model Cars & Trucks (2005-2008)

60 Months

5.24%

18.00%

72 Months

5.49%

N/A

84 Months (Over $25,000)

5.74%

N/A

Used Model Cars & Trucks (2000-2004)

36 Months

5.74%

18.00%

48 Months

5.99%

18.00%

60 Months

6.24%

N/A

72 Months

6.49%

N/A

Older Model Cars & Trucks (1988-1999)

36 Months

6.49%

18.00%

48 Months

6.99%

N/A

Signature**

12 Months

10.00%

18.00%

24 Months

12.00%

18.00%

36 Months

14.00%

N/A

48 Months

15.00%

N/A

**All loans are cross collateralized.

Mileage

Approximate Term

Credit Scores & Rates (APR)*

680-719

574 or less

New RVs (2006-2008)***

0-10K

36 Months

5.75%

18.00%

0-10K

60 Months

6.00%

18.00%

10-15K

84 Months

6.25%

N/A

15-30K

120 Months

6.50%

N/A

30-50K

144 Months

6.75%

N/A

50K+

180 Months***

7.00%

N/A

***180 mo. loans come with a balloon pmt or refinance of the balance due at 120 months.

Used RVs (2005 and older)***

0-10K

36 Months

6.20%

18.00%

0-10K

60 Months

6.70%

18.00%

10-15K

84 Months

7.20%

N/A

15-30K

120 Months

7.70%

N/A

30-50K

144 Months

8.20%

N/A

50K+

180 Months***

8.70%

N/A

***180 mo. loans come with a balloon pmt or refinance of the balance due at 120 months.

Approximate Term

Credit Scores & Rates (APR)*

680-719

574 or less

VISA

Please contact Scenic Falls Credit Union for current rates at 208-522-1825 or 208-552-4800.

Second Mortgage Fixed APY

60 Months

120 Months

6.00%

8.00%

6.00%

8.00%

Second Mortgages have processing fees.

Home Equity LOC Variable APY

60-180 Months

Please Contact Scenic Falls Loan Department for current rates at 208-522-1825- or 208-552-4800

APR=Prime + 0 with a floor of 5.0% with a margin of up to 2%

HELOC Loans have processing fees.

Fees are associated with the refinance of equity loans at a floor rate of 8% or a floor of 6%

Overdraft/Open-Ended Line of Credit (PSL)

15.00% - 18.00% with payment equal to 4% of your principal balance, but not less than $25.00/month.

15.00% - 18.00% with payments of $35.00 per $1000.00 owing.

* APY =Annual Percentage Yield. APR = Annual Percentage Rate - Rates are subject to change without notice. Ask an employee for current rates and further information about the annual percentage yield, fees and terms applicable to the advertised accounts.

FOR ALL RATES SHOWN AS RANGES, THE ANNUAL PERCENTAGE RATE YOU RECEIVE IS BASED ON CERTAIN CREDITWORTHINESS FACTORS AND WILL BE DISCLOSED ON THE VOUCHER OR RECEIPT AT THE TIME OF AN ADVANCE. PLEASE ASK US ABOUT THE RATE FOR WHICH YOU QUALIFY.

Overdraft: The monthly payment will be 4% of the principal balance, but not less than $25.00. We will automatically transfer payments from your checking account on the 5th day of each month that a balance is owing. Rates may be adjusted bi-annually depending upon credit worthiness.

Line of Credit: The minimum monthly payment is $35.00 per $1,000.00. Rates may be adjusted bi-annually depending upon credit worthiness.

Late Charges: You will be charged a $25.00 late fee for all payments more than 10 days late.

Collection Costs: You promise to repay all costs of collecting the amount you owe under this Agreement to the extent permitted by state law including attorney fees, court cost, repossessions etc.

Skip Payment: We may offer the ability to skip a monthly payment. If we do, we will send you information regarding this option. If you accept, finance charges will continue to accrue. We will charge a $30.00 skip payment fee if you decide to take advantage of this offer.

Payment: Your payment is based on your approved credit limit and will be disclosed at the time of your first advance. Your payment will not change unless you increase or decrease your credit limit.

Shares: The ANNUAL PERCENTAGE RATE (APR) for share secured advances will be the dividend rate being paid on regular shares (Index) on the date of the advance plus the percentage shown in the �% above Index� column above. However, the ANNUAL PERCENTAGE RATE will never be lower than 5.00%. If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR. The rates are subject to change on the first day of every month to reflect any change in the index. Any increase in the APR will take the form of more payments of the same amount until what you owe has been repaid.

Certificate of Deposits: The ANNUAL PERCENTAGE RATE (APR) will be the dividend rate being paid on the Certificate offered as security (Index) plus the percentage shown above. However, the ANNUAL PERCENTAGE RATE will never be lower than 5.00%. The Certificate must be renewed until the advance is completely paid. Failure to renew will result in default under the Plan. When the Certificate is renewed the APR will change to reflect the new dividend rate. When the APR increases you will make more payments of the same amount. The present APR will be disclosed on the Voucher and Security Agreement given at the time of the advance.

Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government.

APY = Annual Percentage Yield, APR = Annual Percentage Rate
Rates are subject to change without notice. Ask an employee for further information about the annual percentage yield, fees and terms applicable to the advertised accounts.