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IAEFCU is a member-owned, not-for-profit financial cooperative association dedicated to providing quality financial services to its members with competitive rates on both Savings and Loans.

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Loan Rates

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Car/Motorcycle¹02-16-2009
Maximum Term	Rate/APR as low as²	Maximum Loan Amount⁴
36 months	5.75%³	100%
48 months	6.00%³	100%
60 months	6.25%³	100%
72 months	6.50%³	100%
¹New car price from dealer invoice. Used car value from High Blue Book Value (HBBV). ²Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice. ³Includes consumer loan rate reduction of .25% APR when loan payments automatically deducted from borrower's account. ⁴Maximum Loan Amount shown as a percentage of purchase price or HBBV, including tax/license.

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Car/Motorcycle (with equity)²05-12-2010
Maximum Term	Rate/APR as low as³	Maximum Loan Amount¹
36 months	5.25%⁴	80%
48 months	5.50%⁴	80%
60 months	5.75%⁴	80%
72 months	6.00%⁴	80%
¹Maximum Loan Amount shown as a percentage of purchase price or HBBV, including tax/license. ²New car price from dealer invoice. Used car value from High Blue Book Value (HBBV). ³Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice. ⁴Includes consumer loan rate reduction of .25% APR when loan payments automatically deducted from borrower's account.

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Boats02-16-2009
Maximum Term	Rate/APR as low as¹	Maximum Loan Amount
72 Months	10.50%²	Up to 100% of purchase price, including tax
120 Months	11.00%²	Up to 100% of purchase price, including tax
¹Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice. ²Includes consumer loan rate reduction of .25% APR when loan payments automatically deducted from borrower's account.

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Personal/Signature02-16-2009
Maximum Amount	Term	Rate/APR as low as¹
$5,000	24 months	10.00%²
$10,000	48 months	10.00%²
$15,000	60 months	10.25%²
¹Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice. ²Includes consumer loan rate reduction of .25% APR when loan payments automatically deducted from borrower's account.

Second Mortgage02-16-2009
	Maximum Term	Rate/APR as low as⁴
No Closing Fees²	15 year repayment; one year adjustable¹	Prime Rate or 6%³
¹Includes consumer loan rate reduction of .25% APR when loan payments automatically deducted from borrower's account. ²No fees except state-required mortgage tax, if applicable. ³Introductory Interest rate will be the Prime Rate or 6%, whichever is greater, on the date of the loan. After 1 year the rate will adjust to the then-current Prime Rate or 7%, whichever is greater. ⁴Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice.

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Mini Home Equity (Fees Apply)02-16-2009
Maximum Term	Rate/APR as low as¹	Maximum Loan Amount
1-5 Years	7.00%	80% of equity
6-10 Years	7.50%	80% of equity
11-15 Years	7.75%	80% of equity
¹Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice.

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Mini Home Equity (No Fees)02-16-2009
Maximum Term	Rate/APR as low as¹	Maximum Loan Amount
1-5 Years	7.50%	80% of equity
6-10 Years	7.75%	80% of equity
11-15 Years	8.00%	80% of equity
¹Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice.

Second Mortgage (Variable Rate)²02-16-2009
Maximum Term	Rate/APR as low as³	Maximum Loan Amount
7 Years	Prime Rate or 6%¹	80% of equity
10 Years	Prime or 6% + .25%¹	80% of equity
15 Years	Prime or 6% + .50%¹	80% of equity
¹Introductory Interest rate will be the Prime Rate or 6%, whichever is greater, on the date of the loan. After 1 year the rate will adjust to the then-current Prime Rate or 7%, whichever is greater. ²No fees except state-required mortgage tax, if applicable. ³Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice.

Home Equity Line of Credit (Annual Adjustment)³02-16-2009
Maximum Term	Rate/APR as low as¹	Maximum Loan Amount
5-year draw; no closing fees³	Prime Rate or 6%²	80% of equity
¹Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice. ²Introductory Interest rate will be the Prime Rate or 6%, whichever is greater, on the date of the loan. After 1 year the rate will adjust to the then-current Prime Rate or 7%, whichever is greater. ³No fees except state-required mortgage tax, if applicable.

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VISA®02-16-2009
	Rate/APR as low as¹	Maximum Amount
VISA® Classic	10.90%	$10,000
VISA® Platinum	8.90%	$15,000
¹Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice.

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