Loan Rates

APR=Annual Percentage Rates
Rates are adjusted by Pima Federal Credit Union's Board of Directors and are subject to change without notice.

New Vehicles

*Members making a cash down payment of 20% or more of the vehicle purchase price will receive a discount of .25% off their rate. This discount may be combined with .25% discount for ACH loan payments, making our vehicle rates as low as 3.75% APR!!!

Loan Term	APR
36 months as low as	3.75* %
48 months as low as	4.25* %
60 months as low as	4.50* %
72 months as low as	5.00* %
84 months as low as	5.50* %

Used Vehicles
*Members making a cash down payment of 20% or more of the vehicle purchase price will receive a discount of .25% off their rate. This discount may be combined with .25% discount for ACH loan payments, making our vehicle rates as low as 4.00% APR!!!

Loan Term	APR
36 months as low as	4.00* %
48 months as low as	4.50* %
60 months as low as	4.75* %
72 months as low as	5.25* %
84 months as low as	5.75* %

Personal (Unsecured) Loans
Minimum loan amount of $250. Max advance for the 7-24 month loan term and 9.90% APR is $10,000. For more information please call a representative at any one of our Financial Centers.

Loan Term	APR
7-24 months as low as	9.90 %
7-36 months as low as	10.90 %
48 months as low as	12.00 %
60 months as low as	12.50 %

Unsecured Revolving Loan
Minimum loan amount of 0. Revolving-Monthly Payments based on 2.5% of the outstanding loan balance after last advance, rounded up to the nearest 0 or a minimum monthly payment of which ever is greater.

Loan Term	APR
Line of Credit / Overdraft Protection	13.75 %

New Recreational Vehicles

Loan Term	APR
7-60 months as low as	10.25 %
84 months as low as	9.25 %
120 months as low as	7.75 %
144 months as low as	7.25 %
180 months as low as	7.00 %

Used Recreational Vehicles

Loan Term	APR
7-60 months as low as	10.75 %
84 months as low as	9.75 %
120 months as low as	8.25 %
144 months as low as	7.75 %
180 months as low as	7.50 %

New and Used Motorcycles

Loan Term	APR
7-36 months as low as	7.25 %
48 months as low as	7.75 %
60 months as low as	8.00 %
72 months as low as	8.50 %
84 months as low as	9.00 %

New and Used Motorsport

Loan Term	APR
7.-36 months as low as	8.25 %
48 months as low as	8.75 %
60 months as low as	9.00 %
72 months as low as	9.50 %

New and Used Boats

Loan Term	APR
7-60 months as low as	9.00 %
72 months as low as	9.50 %
84 months as low as	9.75 %
120 months as low as	10.50 %

Home Equity Line of Credit

APR is for 80% of Combined Loan to Value (CLTV). Max Advance for all home equity products, both Home Equity and Fixed Rate 2nd mortgages is $200,000. HELOC fees are waived for new loans with a minimum initial advance of at least $5,000. Minimum periodic payment is per month. The Annual Percentage Rate is variable. The current APR is 5.50% for an 80% LTV. The maximum annual percentage rate is 18.00%. The minimum annual percentage rate is 5.50%.

Loan Term	APR
HELOC Rates for the quarter	5.500 %

Closed-End Fixed Rate Home Equity Loans
The APR for Closed-End Fixed Home Equity Loans is a fixed rate and based on the loan term, no changes to the rate will occur.

Loan Term	APR
Up to 60 Months - 80% LTV	6.00 %
Up to 120 Months - 80% LTV	6.50 %
Up to 180 Months - 80% LTV	7.00 %
Up to 60 Months - 90% LTV	7.00 %
Up to 120 Months - 90% LTV	7.50 %

First Mortgage

For more information please call a representative in our Mortgage Center: (520) 544-5140.

Loan Term	APR
15-Year Conforming Conventional Maximum LTV 95%	3.90%* with a 1% Origination Fee
	Free 60 Day Rate Lock**
Property must be a 1-4 Family Residence, Townhouse and owner-occupied. Minimum loan amount is $25,000; maximum loan amount is $417,000. Cash down requirement of 5% must be from the borrowers own funds. The interest rates, annual percentage rates (APR), points and rate lock shown are subject to change without notice. Rates shown are not intended to be a commitment to the loan or amount for which you qualify. All loans are subject to approval based on credit history. *Rate lock available after application is received with credit report deposit. The 15 year published rate is based on Freddie Mac. Mortgage Insurance is required on loans that exceed 80% LTV. Property must be located in Pima County. Rate and program guidelines vary for Manufactured Homes. Call for details.

Manufactured Housing

Loan Term	APR
New: 7-120 months as low as	9.00 %
New: 180 months as low as	9.50 %
1-6 years: 7-120 months as low as	10.00 %
1-6 years: 180 months as low as	10.50 %
7+ years: 7-120 months as low as	12.00 %
7+ years: 180 months as low as	12.50 %

Share and Term Share Certificates

Loan Term	APR
Share secured, 7 to 60 months	Current dividend rate plus 2.50%, rounded to the nearest .25%, minimum of 4.50%
Share Secured 61-120 months	Current dividend rate plus 2.50%, rounded to the nearest .25%, minimum of 5.00%
PERCENTAGE FINANCED-Share Secured 7 to 120 months, up to 100% of account balance.
Term Share Certificate Secured 7 to 120 months	Current dividend rate plus 2.50%, rounded to the nearest .25%, minimum of 4.50%
PERCENTAGE FINANCED-Term Share Certificate Secured 7 to 120 months, up to 100% of certificate balance at the time of loan. Minimum loan amount of 0 Membership. Launching your financial success could not be simpler, visit one of our Financial Centers, fill out the simple application and deposit a minimum of into your Savings Account.

Membership

Launching your financial success could not be simpler, visit one of our Financial Centers, fill out the simple application and deposit a minimum of into your Savings Account.

Important Information

A complete Truth-In-Lending disclosure will be given at the time of application. Rates displayed are Annual Percentage Rates. Rates start as low as the above published rates, and are based upon applicant credit evaluation, as determined by applicant's credit history and other factors.

Maximum Interest Rate

NCUA-National Credit Union Administration regulation §701.21(c)(7)(i), was amended effective September 6, 2006. The amendment allows NCUA to notify federal credit unions of any increase in the interest rate ceiling through a Letter to Federal Credit Union, other NCUA publications, and a press release. The current rate ceiling is set at 18% APR on the unpaid balance inclusive of all finance charges until changed by the NCUA board.

Variable Rate Plan for Home Equity Line of Credit
The index used is the weekly average yield on U.S. Treasury Securities adjusted to a constant maturity of three years as made available by the Federal Reserve Board on a weekly average basis and published weekly in The Wall Street Journal. To determine the Annual Percentage Rate that will apply, we add a margin to the value of the index rounded up to the nearest 0.125%. The annual percentage rate can change the first day of each quarter.

Reward / Discount
Members that pay their installment consumer loans through payroll deduction or ACH / Direct Deposit will be eligible for a .25% reduction of the interest rate on their loan. No other rate discounts may apply.

Share and Term Share Secured Loans

Members may pledge up to 100% of shares and term share certificates on deposit with Pima Federal Credit Union to secure loans. Funds in IRA's, demand accounts, such as draft accounts, and funds subject to check holds may not be pledged to secure loans. Loans secured by shares or term share certificates may not be combined with other loan types.

MBP-Mechanical Breakdown Insurance

Extend your warranty at special member prices.

GAP-Guaranteed Asset Protection

Protect yourself against financial loss in the event your vehicle is stolen or totaled and the value is less than the outstanding loan balance. In addition, you will receive 00 toward a replacement vehicle when you finance with Pima Federal Credit Union.

PPP-Payment Protection Plan

Optional payment protection plans to cover your payment in the event of disability and/or death.