Sterling United Federal Credit Union – serving the community with simply better financial services.

Labor Day
Mon., Sep. 6, 2010
Columbus Day
Mon., October 11, 2010

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Loan Rates:

Automobiles, Cars, Trucks, New and Used
Rates are current as of: September 2, 2010 and subject to change without notice.
Description	Maximum Term	APR* as low as	Maximum Amount
New Auto/Truck/Van (CE)	60 months (3)	3.99 %	Purchase Price (1)	Calculate
New Auto/Truck/Van (CE)	66 months (2)	4.25 %	Purchase Price (1)	Calculate
New Auto/Truck/Van (CE)	72 months (2)	4.75 %	Purchase Price (1)	Calculate
(2009-2008) Used Auto/Truck/Van (CE)	60 months (3)	3.99 %	NADA Avg. Retail	Calculate
(2009-2008) Used Auto/Truck/Van (CE)	66 months (3)	4.25 %	NADA Avg. Retail	Calculate
(2009-2008) Used Auto/Truck/Van (CE)	72 months (3)	4.75 %	NADA Avg. Retail	Calculate
(2007-2006) Used Auto/Truck/Van (CE)	60 months (3)	4.50 %	NADA Avg. Retail	Calculate
(2005-2004) Used Auto/Truck/Van (CE)	60 months (3)	5.49 %	NADA Avg. Retail	Calculate
(2003-2000) Used Auto/Truck/Van (CE)	48 months (4)	5.49 %	NADA Avg. Retail	Calculate

* Annual Percentage Rate (Actual rate is determined by credit score).All Loans Require Lien on Title and Full Coverage Insurance
(1) Purchase price will be supported by purchase order from dealer and may include sales tax and extended warranty.
(2) NADA Value and the purchase price must exceed $15,000.00 to get maximum term.
(3) NADA Retail Value must be $10,000.00 or greater to get maximum term.
(4) NADA Retail Value must be $5,000.00 or greater to get maximum term.

Mobile Homes & Recreational Vehicles
Rates are current as of: September 2, 2010 and subject to change without notice.
Description	Maximum Term	APR* as low as	Maximum Amount
New Mobile Home (CE)	96 months (2)	9.50 %	Purchase Price (1)	Calculate
(2009-2007) Used Mobile Home (CE)	84 months (2)	9.50 %	NADA Wholesale Value	Calculate
(2006-2001) Used Mobile Home (CE)	72 months (2)	9.50 %	NADA Wholesale Value	Calculate
(2000-1991) Used Mobile Home (CE)	60 months (3)	9.50 %	NADA Wholesale Value
New Motorcycle/Camper (CE)	60 months (3)	4.50 % (3)	Purchase Price (1)
(2009-2007) Used Motorcycle/Camper (CE)	60 months (4)	5.50 %	NADA Retail Value
(2006-1999) Used Motorcycle/Camper (CE)	48 months (4)	6.25 %	NADA Retail Value
New Motorhome/Boat (CE)	60 months (3)	4.50 % (3)	Purchase Price (1)	Calculate
New Motorhome/Boat (CE)	72 months (2)	5.75 %	Purchase Price (1)	Calculate
New Motorhome/Boat (CE)	84 months (2)	6.50 %	Purchase Price (1)	Calculate
(2009-2007) Used Motorhome/Boat (CE)	60 months (3)	5.50 %	NADA Retail Value	Calculate
(2009-2007) Used Motorhome/Boat (CE)	72 months (2)	6.00 %	NADA Retail Value	Calculate
(2006-1999) Used Motorhome/Boat (CE)	48 months (4)	6.50 %	NADA Retail Value	Calculate
(2006-1999) Used Motorhome/Boat (CE)	60 months (3)	7.00 %	NADA Retail Value	Calculate

* Annual Percentage Rate (Actual rate is determined by credit score).
(1) Purchase price will be supported by purchase order from dealer and may include sales tax and extended warranty.
(2) NADA Value and the purchase price must exceed $15,000.00 to get maximum term.
(3) NADA Retail Value must be $10,000.00 or greater to get maximum term.
(4) NADA Retail Value must be $5,000.00 or greater to get maximum term.

Other Secured Loans
Rates are current as of: September 2, 2010 and subject to change without notice.
Description	Maximum Term	APR* as low as	Maximum Amount
Share Secured (CE)	60 months	3.50 %	$100,000	Calculate
Share Secured (CE)	120 months	4.00 %	$100,000	Calculate
Certificate Secured (CE) (1)	120 months		$100,000	Calculate
All Other Secured (CE) (2)	12 up to 48 months	8.25 to 10.00 %	Fair Mkt Value	Calculate

* Annual Percentage Rate (Actual rate is determined by credit score).
(1) Certificate secured loan rate is based on rate paid on certificate plus 3.00%
(2) Rate is determined by the term of the loan.

Unsecured Loans
Rates are current as of: September 2, 2010 and subject to change without notice.
Description	Maximum Term	APR* as low as
Signature (CE)	12 months	7.50 %	Calculate
Signature (CE)	24 months	7.50 %	Calculate
Signature (CE)	36 months	9.25 %	Calculate
Signature (CE)	48 months	10.00 %	Calculate
Line of Credit (LC)	3% of unpaid balance (4)	12.00 %
Overdraft Protection (LC)	3% of unpaid balance (4)	12.00 %
Visa Classic Credit Card	3% of unpaid balance (5)	12.00 %
Visa Gold Credit Card	3% of unpaid balance (5)	8.90 %

* Annual Percentage Rate (Actual rate is determined by credit score).
(1) The unsecured limit depends on job security, stability, ability to repay and credit history. The maximum term on unsecured is 48 months.
(2) Advances will be made to the overdrawn account until it is brought up to zero, not exceeding the maximum loan limit.
(3) Requires a $5,000 minimum loan and a credit score of 650 or above.
(4) Minimum payment is $40.00 per month
(5) Minimum payment is $25.00 per month

Real Estate Loans
Rates are current as of: September 2, 2010 and subject to change without notice.
Description	Maximum Term	APR* as low as	Maximum Amount
FHA Home Improvement (RE)	60 months(1)	6.25 %	$25,000 max (1)	Calculate
FHA Home Improvement (RE)	120 months(1)	6.75 %	$25,000 max (1)	Calculate
Home Equity Fixed Rate (RE)	60 months	4.99 %	$150,000 max (2)	Calculate
Home Equity Fixed Rate (RE)	120 months	5.25 %	$150,000 max (2)	Calculate
Home Equity Fixed Rate (RE)	180 months	5.75 %	$150,000 max (2)	Calculate
Home Equity Line of Credit (RE)	180 months(4)	4.00 % (3)	$150,000 max (2)	Calculate
Refinanced 1st Mortgage (RE)	180 months	4.50 %	$300,000 max (5)	Calculate

* Annual Percentage Rate (Actual rate is determined by credit score). All Loans require Mortgage on Property and Homeowner's Insurance.
(1) FHA Home improvement Loans are governed by the Department of Housing and Urban Development which sets the terms and conditions.
(2) Based on 80% of appraised value less amount of first mortgage.
(3) The rate on Home Equity Lines of Credit is set monthly. The rate is equal to the Wall Street Prime less 1.00%. Lines of Credit have a nominal floor rate of 4.00% APR and a maximum rate ceiling of 15.00% APR. Closing costs are waived if approved line of credit is $10,000 or more.
(4) The term on Home Equity Lines of Credit includes a 10 year draw period and a 15 year repayment period. Payment is equal to 1.50 % of amount advanced subject to a $100 minimum payment.
(5) Based on 80% of appraised value of property.

*APR is Annual Percentage Rate. ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.

Main Office, 1330 West Franklin St., Evansville, IN 47710
812-425-0111
Vogel Road - St. Mary’s - Deaconess - Atlas

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