LOAN RATES
Last Updated August 19, 2008
Last Rate Change July 1, 2008

ALL AUTO LOANS & MOTORCYCLES OVER $10,000 

                    RATE  TERM

• 2006-2009
                4.95%*  72 MONTHS         $22,000.00 AND OVER   
                4.95%*  60 MONTHS 
                4.95%*  48 MONTHS 
                4.95%*  36 MONTHS      
• 2003-2005
               5.95%*  60 MONTHS 
               5.95%*  48 MONTHS
                                                                   
• 2001-2002                                                                                 
      5.95%*  60 MONTHS          $12,000.00 AND OVER
      5.95%*  48 MONTHS 
          
• 1999-2000 
                6.50%*  48 MONTHS
  
• 1998 AND OLDER
                6.50%*  36 MONTHS

  ---

•  2005-2009
  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

•  2003-2004
   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

•  2002 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
 

•  2009-2005
  6.50%*    48 MONTHS
  6.50%*    36 MONTHS
•  2004 & older             
            7.50%*    36 MONTHS 
• ATV'S OVER $10,000     
            6.50%*    60 MONTHS
           

MISCELLANEOUS SECURED           

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

  ---

UNSECURED

• $5,000.00       10%*    12 MONTHS
                         11%*    24 MONTHS
                         12%*    36 MONTHS 
                        
                        
                         15%*    30-60-90 DAYS

SHARE PLEDGE
5.00%*

CREDIT CARDS
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.