Fibrecu.com

Fibre Federal - Loan Rates

Rates and Terms:

Loan Type	Maximum Financed	APR*	Periodic Rate	Maximum Term
New Auto	100%	4.95%		36 mos.
New Auto	100%	5.05%		84 mos.**
Used Auto (10 yrs. old or newer)	Up to 100%	4.95%		36 mos.
Used Auto (10 yrs. old or newer)	Up to 100%	5.05%		84 mos.**
New RV/Boat	100%	7% †††		180 mos.**
Used RV/Boat	High NADA Book	7.5% †††		120 mos.**
Visa	$20,000	10.5%	0.028767%	Revolving
Personal Loans	$100,000	10% to 12%		12 to 60 mos.
Personal Line of Credit	$100,000	12% to 12%		12 to 60 mos.
Home Equity Line of Credit	100% Tax Assessed or Appraised Value	4% †		20 yrs.
Fixed Rate Home Equity Loan***	100% Tax Assessed or Appraised Value	6.99% to 7.99%		20 yrs.
Raw Land	65% of purchase or appraised value	8.35%		20 yrs.
Buildable Lots	80% of purchase or appraised value	7.35%		20 yrs
First Mortgages (owner occupied)††	80% Loan to Value Appraised	5.5% 5.85%		15 yrs. 20/30 yrs.
First Mortgages (secondary vacation or retirment)	80% of purchase or appraised value	6% 6.35%		15 yrs. 20/30 yrs.
Share-secured		Contact Us
Manufactured home Loans		Contact Us

*Annual Percentage Rates effective 08/03/2009 and subject to change without notice.
**Maximum term dependent on purchase price. ***Rate dependent on loan-to-value. Contact the Credit Union for additional information. †Variable Rate is equal to the Prime rate as published in the Wall Street Journal plus a margin of 0.00% subject to change monthly with a floor of 4.00%APR. The maximum APR that will be charged is 18%. †† 20% down payment required. Example of terms: 180 monthly payments of $81.70 per $10,000 at 5.50% APR. 240 monthly payments of $70.78 per $10,000 at 5.85% APR. 360 monthly payments of $58.90 per $10,000 at 5.85% APR. Certain third party fees may apply. †††Annual Percentage Rate is fixed for first 60 months and then adjusts to current new or used RV rate at five year intervals.

Visa Credit Card Fees:

Grace Period for Purchases	You have one billing cycle (average 30 days) from the closing date of the statement to repay your balance for purchases before being charged a finance charge.
Grace Period for Cash Advances	There is no grace period for Cash Advances. Finance charges start accruing from the date of the transaction.
Annual Percentage Rate/ Periodic Rate	10.5% Annual Percentage Rate/ .028767% Periodic Rate
Balance Calculation Method for Finance Charges	Average Daily Balance (including current transactions).
Membership Fees	No Annual Membership Fee.
Late Payment Fees	$15
Over Credit-Limit Fees	$15 for each occurrence.

Other Visa Credit Card Fees:

Card Replacement Fee	$5
Transaction Copy Retrieval	$20
Telecommunications Charges	Any fees assessed for international authorizations obtained by telephone, fax, telex and cable will be passed onto the cardholder in the form of a fee.

† Property Insurance is required on home equity loans.

††Variable Rate—The variable rate is based on the Prime Rate as published in the Wall Street Journal and adjusts on the 1st day of the month following the end of each calendar quarter. The maximum APR that will be charged on a variable rate loan is 18%.

This Rate & Fee schedule outlines the conditions, rates, fees, and charges applicable to your accounts at Fibre Federal Credit Union as of the effective date 08/03/2009. The Credit Union may offer other accounts, or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth in this schedule and acknowledges that it is part of the Membership Account Agreement. If you have any questions or need current rate or fee information on your accounts, please contact us or call the Credit Union at (360) 423-8750 or write to Fibre Federal Credit Union, PO Box 1234, Longview, WA 98632.

This credit union is federally insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration, A U.S. Government Agency.