Loan Rates Sub-Account Description Daily Periodic Rate Annual Percentage Rate Payment Calculation Term                 Share Secured .0095890% 2.30% above share rate up to 12 years Personal Signature .0164384% 6.00% 1 year   .0232877% 8.50% 2 year   .0273973% 10.00% 3 year   .0315068% 11.50% 4 year   .0356164% 13.00% 5 year New Auto .0150685% 5.25% 5 year             $20,000 minimum .0178082% 6.25% 6 year Used Auto .0164384% 5.75% 4 year   .0178082% 6.25% 5 year Reduce rate by 0.25% with payroll deduction payments.   All rates are subject to change without notice. Call the credit union for the current rates.   Call the credit union for the current rate on our current loan special.   $15.00 late payment fee after 15 day grace period. Collection Cost:  You promise to pay any costs of collecting the funds you owe under this agreement including court costs and reasonable attorney fees.