Rates

EFFECTIVE MARCH 16, 2010

COLLATERAL	RATE	MAXIMUM TERM
AUTOMOBILE
NEW 10, 09	3.95% APR	72MONTHS**
USED 08 - 03	4.50% APR	72 MONTHS**
02 - OLDER	6.00% APR	60 MONTHS**
(Any title vehicle includes cars, trucks, boats, travel trailers, campers, 5th wheels, motorhomes, motorcycles (street bikes only): not eligible ATV’s, snowmobile, personal watercraft, motorcycles (dirt bikes) and horse trailers) - NEW AUTO 84 MONTHS – 3.95% - Rate breaks do not apply.
RV / BOAT LOANS	Extended Loan Terms Minimum Loan Amount - $20,000.00
New RV 10, 09	5.50% APR	85 - 144 MONTHS**
Used RV 08 – 00	6.00% APR	73 - 144 MONTHS*

SHARE SECURED LOANS	CURRENT DIVIDEND RATE EARNED ON ACCOUNT USED AS COLLATERAL PLUS
	3.00% APR	1 - 60 MONTHS
	4.00% APR	61 - 84 MONTHS
	5.00% APR	85 - 144 MONTHS

SIGNATURE LOANS	12.90% APR	48 MONTHS

SIGNATURE/SHARE LOANS	10.75% APR	48 MONTHS

MISCELLANEOUS COLLATERAL	10.00% APR	60 MONTHS

MOBILE HOME
NEW 10, 09	6.00% APR	1 - 60 MONTHS
NEW 10, 09	8.00% APR	61 - 144 MONTHS
USED 08 - OLDER	11.00% APR	1 - 60 MONTHS
USED 08 - OLDER	12.00% APR	72 - 84 MONTHS

HOME EQUITY LOANS
	5.45% APR LTV-80%	1 - 84 MONTHS
	6.25% APR LTV-80%	85 - 180 MONTHS

VISA	9.90% APR

Any and all loans are subject to the approval of the loan officer. The above guidelines are used by the loan officer in determining the applicable loan rate and terms. The rate and terms may be changed without notice.

**These rates (except 84 month new auto) can be reduced by .25% with payroll deduction payments, savings transfer payments or automatic payments from another institutions account. An additional .20% reduction can be earned with automatic payments from your Laneco Federal Credit Union share draft (checking account). ** Rate reduction special good for loans disbursed June 1, 2008 through December 31, 2010.

**Loan terms and loan to value ratios will be determined based on the credit qualifications of the applicants**

**These rates apply to new loans only, refinance of current Laneco Federal Credit Union loans do not qualify for these rates.**

LANECO'S VISA CREDIT CARD