Loan Rates (APR)

NEW VEHICLE Members can transfer auto loans from other lenders and receive the new car rate if the original purchase order shows the original date within the last six months. All vehicles must carry insurance with a maximum deductible of $500.	Up to a 100% of purchase price	Conventional Loans 60 months - any loan amount 72 months - available on loans over $20,000 84 months - available on loans over $30,000 - add .5% 96 months - available on loans over $40,000 - add 1%	Our loan rates are as low as 5.75%*
Used Vehicles	Total due on purchase order can not exceed 100% of retail blue book value. The Credit Union does not finance dealer add-ons	Conventional Loans 2001 - 2006 models 60 months - any loan amount 72 months - available on loans over $20,000 add .5% 1998 - 2000 models 48 months - any loan amount	Our loan rates are as low as 5.75%*
RECREATIONAL VEHICLES - New	80% of retail blue book value. Not to exceed 100% of purchase price	Up to 180 months	Our loan rates are as low as 7.75%*
RECREATIONAL VEHICLES - Used	80% of retail blue book value. Not to exceed 100% of purchase price	Up to 180 months	Our loan rates are as low as 8.25%*
MOTORCYCLE LOANS New	80% of retail blue book value. Not to exceed 100% of purchase price	Up to 36 months, Maximum loan is $20,000	Our loan rates are as low as 7.00%*
MOTORCYCLE LOANS Used	80% of retail blue book value. Not to exceed 100% of purchase price	Up to 36 months, Maximum loan is $15,000	Our loan rates are as low as 8.00%*
PREFERRED LINE OF CREDIT	FICO Score 640 - 679, maximum $5,000 FICO Score 680 - 739, maximum $7,500 FICO Score 740 +, maximum $10,000	Monthly payments due = 3% of loan amount. Minimum payment $30 per month.	Our loan rates are as low as 12.25%*

PERSONAL LOANS -Maximum $15,000 We will give you the best possible rate based on your credit.

12 months As low as 11.75%*

24 months As low as 12.00%*

36 months As low as 12.25%*

48 months As low as 12.75%*

CLASSIC VISA

Maximum $10,000

As low as 10 .90%*

Monthly payments = 1.5% of balance, Minimum payment is $15 per month. We will give you the best possible rate on a VISA account, based on your credit.

LOANS SECURED BY BASIC SHARES -Maximum loan $65,000	90% of share balance	24 months As low as 5.75%*	36 months As low as 6.25%*	48 months As low as 6.50%*	60 months As low as 6.75%
LOANS SECURED BY CERTIFICATE OF DEPOSIT	90% of share balance	3.50% over certificate rate	Payment due in full on certificate maturity date
*We will give you the best possible rate based on your credit.       APR = Annual Percentage Rate

GENERAL INFORMATION: You Can Apply On-Line at www.shellsouthwest.org or You may fax your application to the credit union followed by the original application in the U.S. mail. The FAX number is (310) 603-8993. You may also complete an application at any CU Service Center. Approved loans can be disbursed at any CU Service Center. You must submit proof of income when applying for a loan. We accept copies of paystubs or income tax returns. Questions, call our loan department, (310) 603-8955.

Club 55 and Pearls Program members receive reduced rates, call for details.

Rates effective 9/1/07