INVEST IN AMERICA and  SPARK THE ECONOMY RATES We are giving a 1% APR discount for INVEST IN AMERICA qualifying vehicles from GM and Chrysler and 4.95% 72 months    $22,000.00 and over 4.95% 60 months                                      4.95% 48 months                                      4.95% 36 months

LOAN RATES
Last Updated February 22, 2010
Last Rate Change September 8, 2009

      AUTO LOANS 

• 2007-2009
                5.95%*  72 MONTHS         $22,000.00 AND OVER   
                5.95%*  60 MONTHS 
                5.95%*  48 MONTHS 
                5.95%*  36 MONTHS      
• 2004-2006
               6.95%*  60 MONTHS 
               6.95%*  48 MONTHS
                                                                   
• 2002-2003                                                                                 
      6.95%*  60 MONTHS          $12,000.00 AND OVER
      6.95%*  48 MONTHS 
          
• 2000-2001 
                7.50%*  48 MONTHS
  
• 1999 AND OLDER
                7.50%*  36 MONTHS

  ---

•  2006-2009
  UP TO $5,000.             5.95%*       48 MONTHS
   $5,000. TO $10,000    5.95%*       60 MONTHS
   $10,000. & OVER      5.95%*       120 MONTHS/3 YEAR BALLOON

•  2004-2005
   UP TO $5,000.            6.50%*         48 MONTHS
   $5,000. TO $10,000.   6.50%*         60 MONTHS
  $10,000. & OVER       6.50%*         120 MONTHS/3 YEAR BALLOON

•  2003 AND OLDER
  UP TO $5,000.             7.50%*        48 MONTHS
  $5,000. TO $10,000.    7.50%*        60 MONTHS
  $10,000. & OVER       7.50%*        120 MONTHS/3 YEAR BALLOON

RECREATION VEHICLES, 4 WHEELERS, MOTORCYCLES, GOLF CARTS, SNOWMOBILES, JET SKI, RIDING MOWERS/TRACTORS 
  ***If financing more than $10,000.00 refer to the Auto Rates listed above***

•  2009-2006
  6.50%*    48 MONTHS
  6.50%*    36 MONTHS
•  2005 & older             
            7.50%*    48 MONTHS 
• ATV'S OVER $10,000     
            6.50%*    60 MONTHS
           

MISCELLANEOUS SECURED           

• NEW          8.50%*          48 MONTHS
  
• USED         8.50%*          36 MONTHS
                      

  ---

UNSECURED

• $5,000.01 to $7,500.00         12%*    60 MONTHS
  $5,000.01 to $7,500.00         11%*    48 MONTHS
  $5,000.00 and under             10%*    36 MONTHS
  
• 30-60-90 DAY NOTES         15%*

SHARE PLEDGE
5.00%*

CREDIT CARDS - PLATINUM ~ EARN REWARDS
12.9%*

HOME EQUITY
Variable rate-- 6.00%* currently-- NO Application Fee!!-- Save $100

MORTGAGES
Serviced by Midwest Loan Services



* Rates and terms are subject to change without notice. All loan applications are subject to credit approval with parameters as stated in the loan policies.
* All loan rates are annual percentage rate.

Baraga County Federal Credit Union is a member of the Michigan Credit Union League and the NCUA.