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Automobile Loan
Model Year	Term	Credit Score 720+ Excellent	Credit Score 680-719 Good	Credit Score 640-679 Average	Credit Score 600-639 Fair	Credit Score 599 or less Poor
New Auto Loans
2010-2011	60 Months	* 4.20 %	* 5.05 %	* 7.57 %	* 9.67 %	* 11.67 %
2010-2011	66 Months	* 4.30 %	* 5.15 %	* 7.67 %	* 9.77 %	* 11.77 %
2010-2011	75 Months	* 4.40 %	* 5.25 %	* 7.77 %	* 9.87 %	* 11.87 %
Used Auto Loans
2008-2009	60 Months	* 5.20 %	* 6.05 %	* 8.57 %	* 11.67 %	* 12.67 %
2008-2009	66 Months	* 5.30 %	* 6.15 %	* 8.67 %	* 11.77 %	* 12.77 %
2009	72 Months	* 5.40 %	* 6.25 %	* 8.77 %	* 11.87 %	* 12.87 %
Used Auto Loans
2007	60 Months	* 6.20 %	* 7.05 %	* 9.57 %	* 12.67 %	* 13.67 %
2005-2006	54 Months	* 6.30 %	* 7.15 %	* 9.67 %	* 12.77 %	* 13.77 %
2004 & Later	48 Months	* 6.40 %	* 7.25 %	* 9.77 %	* 12.87 %	* 13.87 %

 

Unsecured Loans
Term	Credit Score 720+ Excellent	Credit Score 680-719 Good	Credit Score 640-679 Average	Credit Score 600-639 Fair	Credit Score 599 or less Poor
				Exception Only	Exception Only
24 Months	* 5.77 %	* 6.77 %	*  9.77 %	* 11.77 %	* 13.77 %
36 Months	* 6.77 %	*  7.77 %	* 10.77 %	* 12.77 %	* 14.77 %
60 Months	* 7.77 %	*  8.77 %	* 11.77 %	* 13.77 %	* 15.77 %
Line of credit	* 6.77 %	*  7.77 %	*   9.25 %

Visa Platinum Card
Term	Credit Score 720+ Excellent	Credit Score 680-719 Good	Credit Score 640-679 Average	Credit Score 600-639 Fair	Credit Score 599 or less Poor
				Exception Only	Exception Only
Transfers/New Purchases	* 3.25 %	* 3.25 %	*  6.25 %	* 9.25 %	* 9.25 %
after 12 months	* 7.25 %	* 7.25 %	* 9.25 %	* 14.25 %	* 14.25 %

* Annual Percentage Rate

The Board of Directors, as required by law, reviewed and set the rates effective February 1, 2012.  Rates are subject to change without prior notice.  For further information regarding applicable fees and terms, contact an employee at any Security First Federal Credit Union office.