Fixed Term Loans (Closed-End Loans)

Loan Type Amount APR* As Low As Fixed Term of Repayment

Signature $300 - $7000 6.50% 12 Months   $300 - $7000 7.50% 24 Months   $300 - $7000 9.50% 36 Months

Share Up to the amount on deposit in shares +2% over rate on pledged share 60 Months

Share Certificate Up to the face amount of the certificate +2% over rate on pledged CD Certificate Maturity

Credit Rebuilder Loan $ 1000 Minimum/Maximum 16.99% 12 Months

**Individual rates are based on credit scores. Life and Disability Insurance is available at discounted rates. *** Rate may be reduced by 0.25% for payroll deduction (except for Credit Rebuilder loan).

• The APR (Annual Percentage Rate) listed is the true Truth in Lending APR.
• The APR will not increase over the term of your loan.
• STJ FCU does not charge any loan fees which would raise the APR for Federal Truth in Lending calculations.
• The Loans above are closed-end loans with a fixed term. The entire loan will be repaid at the end of the Term of Repayment listed with equal monthly payments over the Term of the Loan.

Auto Loans

Loan Type Year(s) APR* As Low As Fixed Term of Repayment

New Auto 2011 2.75% Up To 72 Months Purchase Price not to exceed Manufacturer's suggested retail or payoff from another institution.

Used Auto 2010 - 2007 2.75% Up To 60 Months 2006 - Older 5.25% Up To 48 Months Loan not  to exceed Retail Value according to the NADA Official Used Car Guide.

**Individual rates are based on credit scores. GAP Insurance is available and may be required for some terms. Life and Disability Insurance, Extended Warranty polices and CarFax are available at discounted rates. *** Rate may be reduced by 0.25% for payroll deduction.

When comparing loan rates against your STJ FCU rate:

• always ask about loan fees.
• always ask for the true APR.
• Ask if rates will increase during the loan.
• Your STJ Federal Credit Union does not have hidden or add-on fees.
• These rates are your true APR (Federal Truth in Lending Annual Percentage Rate).
• Your APR will not increase during the term of your loan.

RV’s, Boat, Motorcycles, Miscellaneous, & Motor Home Loans

Loan Type Year(s) APR* As Low As Fixed Term of Repayment

RV’s, Boat, Motorcycles, Misc., & Motor Home 2011 5.25% 5.50% Up To 48 Months 49 - 60 Months 2010 - 2007 5.25% Up To 60 Months 2006 - Older 8.00% Up To 48 Months Loan not to exceed Retail Value according to the NADA Official Used Car Guide.

**Individual rates are based on credit scores.  GAP Insurance is available and may be required for some terms. Life and Disability Insurance and Extended Warranty polices are available at discounted rates. *** Rate may be reduced by 0.25% for payroll deduction. Pre- approval is required for RV’s over $ 35,000.00.  Maximum term is 120 months.  Add 1% to rate for each year over 5 year term.

• The APR (Annual Percentage Rate) is the true Truth in Lending APR.
• The APR will not increase over the term of your loan.
• STJ FCU does not charge any fees which would raise the APR for Federal Truth in Lending calculations.
• These Loans are closed-end loans with a fixed term. The entire loan will be repaid at the end of the Term of Repayment listed with equal monthly payments over the Term of the Loan.

Visa Cards

Loan Type Fees APR* As Low As Limit

Visa Classic No Annual Fees 8.75% Up To $ 7000.00

Lending Capacity Remains Solid
Our financial strength, structure, and lack of risky sub-prime loans gives us the ability to lend in this environment. That means our members can borrow as normal. Our lending guidelines have not been scrutinized or tightened as with many other lenders today. Our members do not have to jump through hoops to be approved for consumer loans.

We appreciate that you have chosen to be a member of St. Joseph's Federal Credit Union. As we repeatedly state: we do, and will continue to, operate IN YOUR BEST INTEREST, ALWAYS.