Flint Area School Employees Credit Union


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LOAN RATES

AUTOMOBILE LOAN INTEREST RATES
Model Year/ Information	Annual Percentage Rate**	Maximum Length of Loan in Months	Estimated Monthly Payments per $1,000 Borrowed
2012 Auto/ Truck	1.99%*	36	$28.64
2012 Auto/ Truck	2.25%*	48	$21.81
2012 Auto/ Truck	2.25%*	60	$17.64
2011 Auto/Truck	1.99%*	36	$28.64
2011 Auto/Truck	2.25%*	48	$21.81
2011 Auto/Truck	2.25%*	60	$17.64
2010 Auto/Truck	1.99%*	36	$28.64
2010 Auto/Truck	2.25%*	48	$21.81
2009 Auto/Truck	1.99%*	36	$28.64
2009 Auto/Truck	2.25%*	48	$21.81
2008 Auto/Truck	1.99%*	36	$28.64
2008 Auto/Truck	2.25%*	48	$21.81
2007 Auto/Truck	1.99%*	36	$28.64
2007 Auto/Truck	4.75%*	48	$22.92
2006 Auto/Truck	4.25%*	30	$35.20
2005 Auto/Truck	4.75%*	18	$57.67
2004 Auto/Truck	4.75%*	18	$57.67
* Loans currently held by Flint Area School Employees Credit Union may not be refinanced under this offer.
** Annual Percentage Rate (APR) is available as of 10/01/2011 and is subject to change without notice. All loans are subject to credit approval. Rate shown is offered to members with good credit. Members with less satisfactory credit may qualify for a loan at a higher interest rate. Please contact our Loan Department for additional information.

OTHER LOAN RATES *
Type of Loan	Annual Percentage Rate **	Maximum Length of Loan in Months	Estimated Monthly Payment per $1,000 borrowed
Share Secured	4.00%	48	$22.58
Share Secured	6.50%	120	$11.36
Computer Secured	7.00%	24	$44.77
Computer Secured	8.00%	36	$31.34
Certificate of Deposit Secured	Higher of 4.00% or 3.00% Plus CD Interest Rate	Term of Certificate	(Assuming a 4.00% interest rate for a 12 month loan)$85.14
Unsecured Loans (including Lines of Credit)	8.90%	36	$31.75
* All loans are subject to credit approval. No down payment required for approved and qualified borrowers.
** Annual Percentage Rate (APR) is effective as of 02/01/2009 and subject to change without notice. Rate is based on credit history; rate shown is offered to members with good credit. The rate may be higher for members with less satisfactory credit. Please contact our Loan Department for additional information.