Loan Rates*
Rates effective: September 2007

Apply for a consumer loan
Apply for a home loan

Personal (Signature)
Annual Percentage Rate	Amount	Term
11.0%	Up to $15000	Up to 60 Mos
Line of Credit
Annual Percentage Rate	Amount	Term
11.0%	Up to $5000	Revolving
Computer Loan
Annual Percentage Rate	Amount	Term
11.0%	Up to $5000	Up to 36 Mos
New Teacher Loans
Annual Percentage Rate	Amount	Term
11.0%	Up to $3000	Up to 12 Mos
Share Secured
Annual Percentage Rate	Amount	Term
3.50%	Up to 100% of unpledged shares	Up to 84 mos
Term Share Account
Annual Percentage Rate	Amount	Term
Certificate Rate + 3%	Up to 100% of unpledged shares	Open
VISA Classic Disclosure
Annual Percentage Rate	Amount	Term
9.50%	Up to $5000	Revolving
Student Visa Disclosure
Annual Percentage Rate	Amount	Term
9.50%	Up to $500	Revolving
VISA Pledged Disclosure
Annual Percentage Rate	Amount	Term
15.50%	Up to $5000	Revolving
VISA Gold Fixed Disclosure
Annual Percentage Rate	Amount	Term
8.50%	Up to $25,000	Revolving
VISA Variable Prime Disclosure
Annual Percentage Rate	Amount	Term
5.25%	Up to $25,000	Revolving
New Vehicles
Annual Percentage Rate	Amount	Term
6.59%	Up to 100% of purchase price	Up to 84 Mos
Used Vehicles
Up to 10 model years old
Annual Percentage Rate	Amount	Term
6.59%	Up to 125% Kelly Blue Book	Up to 84 Mos
Older Used Vehicles
Over11+ Model years old
Annual Percentage Rate	Amount	Term
5.75%	Up to 100% Kelly Blue Book	Up to 72 Mos
New & Used Recreational Vehicle
New: 90% of purchase price including tax & license Used: Up to 90% off Suggested Retail Deduct .50% off additional with 10% down payment
Annual Percentage Rate	Amount	Term
8.75%	call for details	Up to 144 Mos
New Watercraft & Boats
(Up to 100% of purchase price including tax & License)
Annual Percentage Rate	Amount	Term
8.25%	call for details	Up to 144 Mos
New Motorcycle
(Up to 100% of purchase price including tax & license)
Annual Percentage Rate	Amount	Term
6.59%	call for details	Up to 72 Mos
New Mobile Home
(Up to 60% of purchase price including tax & license)
Annual Percentage Rate	Amount	Term
10.50%	call for details	Up to 180 Mos
Home Equity Line of Credit Variable**
(Up to 90% of Appraised Value Less any Liens)
Annual Percentage Rate	Amount	Term
5.25%	Min. $10,000 Max. $175,000	Up to 240 Mos
Second Mortgage
(Up to 90% of Appraised Value Less any Liens)
Annual Percentage Rate	Amount	Term
8.75%	Min. $10,000 Max. $175,000	Up to 240 Mos
Refinance First Mortgage
Call for Rate

APR=Annual Percentage Rate.
*The above rates are subject to change without prior notice. Fees may apply. Loan rates reflect our Best Rates. The rate and term you receive may be different based on your individual credit history and term of the loan. Rates, terms and conditions are subject to change. Call 909-882-2911 for current information. **Valid for owner-occupied, single-family residences, townhouses, condominiums and for new home equity lines only from $ 10,000 to $ 175,000 with a 90% or less loan to value ratio. Not available on co-ops and mobile homes. If approved, you will receive a rate ranging from Prime - 0% (currently 5.25% APR) to Prime + 3.5% (currently 8.75 % APR), depending on your financial information and creditworthiness. The APR will vary as the Prime Rate varies. The Prime Rate is published in the Money Rates section of the Wall Street Journal. Maximum rate is 18%. All loans are subject to satisfactory appraisal, title and property insurance. Please contact a loan officer for details, 909-882-2911 Offer may change without notice. HELOC is subject to fees: Appraisal $200, Title Report fees $65 for loan amounts up to $65,000 or $100 for loan amounts from 65,000.01 to $175,000, Recording Fees $30, Flood certificate fee $12 ask a loan officer for further details. SBSEFCU is an equal housing lender.