Loan Rates

All rates quoted as Annual Percentage Rates as of February 1, 2012. Annual Percentage Rates are subject to change and are accurate as of publication date.

New Automobiles (Current Model Year, Untitled, Less than 5,000 Miles)*
Up to 36 Months	37- 63 Months	64 - 72 Months**	** Qualified Automobiles
2.49% to 11.04%	2.49% to 11.14%	3.94% to 11.64%	depending on credit history
Repayment Examples: 36 monthly payments of $28.86 per $1,000 borrowed at 2.49% APR. 60 monthly payments of $17.75 per $1,000 borrowed at 2.49% APR.

*Educator Discount: Rates may be reduced by 20 bp (.20%) on both new and pre-owned auto loans. Rate discounts are not available on the 2.49% or the 2.74% rates.

Pre-Owned Automobiles
Up to 36 Months	37- 63 Months	64 - 72 Months**	** Qualified Automobiles
2.49% to 11.19%	2.49% to 11.29%	4.24% to 11.89%	depending on credit history
Repayment Examples: 36 monthly payments of $28.86 per $1,000 borrowed at 2.49% APR. 60 monthly payments of $17.75 per $1,000 borrowed at 2.49% APR.

*Educator Discount: Rates may be reduced by 20 bp (.20%) on both new and pre-owned auto loans. ate discounts are not available on the 2.49% or the 2.74% rates.

Boats, Motor Homes, Travel Trailers, Campers and Jet Skis* *Maximum term for jet skis is 60 months.
Up to 36 Months	37- 60 Months	61 - 72 Months	73-120 Months
6.44% to 17.10%	6.59% to 17.25%	6.84% to 17.50%	7.74% to 17.50%	depending on credit history
Repayment Examples: 36 monthly payments of $30.63 per $1,000.00 borrowed at 6.44% APR; 60 monthly payments of $19.61 per $1,000.00 borrowed at 6.59% APR; 120 monthly payments of $12.00 per $1,000.00 borrowed at 7.74% APR.

Motorcycles and 4 Wheelers
Up to 36 Months	37- 60 Months	61 - 72 Months
7.94% to 17.60%	8.09% to 17.75%	8.34% to 18.00%	depending on credit history
Repayment Examples: 36 monthly payments of $31.30 per $1,000.00 borrowed at 7.94% APR; 60 monthly payments of $20.31 per $1,000.00 borrowed at 8.09% APR.

Personal Loan Rates
Loan Type	Up to 24 Months	25 - 36 Months	37 - 48 Months	49 - 60 Months
Personal Loan	7.99% to 16.99%	8.99% to 17.49%	9.99% to 18.00%	11.99% to 18.00%
Repayment Examples: 24 monthly payments of $45.23 per $1,000.00 borrowed at 7.59% APR; 36 monthly payments of $31.80 per $1,000.00 borrowed at 8.99% APR; 48 monthly payments of $25.36 per $1,000.00 borrowed at 9.99% APR.

Tax Loan Promotion Ends April 17, 2012
Up to 12 Months	Maximum loan amount $5,000
5.99%
Repayment Example: 12 monthly payments of $86.06 per $1,000.00 borrowed at 5.99% APR.

"All Other Collateral" Secured Loans
Up to 60 Months	61 to 120 Months
10.20%	10.70%
Repayment Example: 60 monthly payments of $21.35 per $1,000.00 borrowed at 10.20% APR; 120 monthly payments of $13.61 per $1,000.00 borrowed at 10.70% APR.

Share Secured Loans	Certificate of Deposit Secured Loans
4.25%	3 points over the face value of the certificate

Line of Credit Rates
	Personal	Share Secured
Line of Credit	12.00%	6.25%
Home Equity Line of Credit	4.25% variable rate*
Minimum draw of $4,000; Ten year draw period; All fees paid by the Credit Union Rate shown is a variable Annual Percentage Rate based on the Prime Rate published in the Wall Street Journal* as of 12/11/2010 plus a margin and is subject to change on the first day of each quarter.

Home Equity Loans — First Liens (All fees are paid by the Credit Union)
	$7,000 - $49,999	$50,000 - $99,999	$100,000 - $150,000
60 Months	4.60%	4.60%	4.60%
61 to 120 Months	4.60%	4.60%	4.60%
121 to 180 Months	4.60%	4.60%	4.60%
Repayment Examples: 60 monthly payments of $18.69 per $1,000 borrowed at 4.60%; 120 monthly payments of $10.41 per $1,000 borrowed at 4.60%; 180 monthly payments of $7.70 per $1,000 borrowed at 4.60% APR. *Property Insurance is required on all home equity loans.

Home Equity Loans — Second Liens (All fees are paid by the Credit Union)
	$7,000 - $49,999	$50,000 - $99,999	$100,000 - $150,000
60 Months	5.50%	5.50%	5.50%
61 to 120 Months	5.50%	5.50%	5.50%
121 to 180 Months	5.50%	5.50%	5.50%
Repayment Examples: 60 monthly payments of $19.11 per $1,000.00 borrowed at 5.50% APR; 120 monthly payments of $10.86 per $1,000.00 borrowed at 5.50% APR; 180 monthly payments of $8.18 per $1,000.00 borrowed at 5.50% APR. *Property Insurance is required on all home equity loans.

$mart Energy Loan Program (Available to City of Plano Homeowners Only) Learn more about this program
Up to 36 Months	37- 60 Months	61 - 120 Months*	121 - 180 Months**
5.49% to 15.49%	5.99% to 15.99%	6.49% to 16.49%	6.99% to 16.99%
Repayment Examples: 36 monthly payments of $30.20 per $1,000 borrowed at 5.49% APR; 60 monthly payments of $19.33 per $1,000 borrowed at 5.99% APR; 120 monthly payments of $11.35 per $1,000 borrowed at 6.49% APR; 180 monthly payments of $8.99 per $1,000 borrowed at 6.99% APR. minimum loan amount of $3,000 for 120 month term for this program *minimum loan amount of $5,000 for 180 month term for this program

NOTE:
Loan rates to be reduced by 10 basis points (.10%) if loan is booked with an automated payment method. (Does not include Home Equity, Line of Credit, MasterCard, or Visa.)
Loan rates to be reduced by 20 basis points (.20%) if member has a Credit Union of Texas Advantage or Mature Options Checking Account before loan is funded. (Does not include Home Equity, Line of Credit, MasterCard, Visa, or personal loan.)

Credit Union of Texas

Loan Rates

New Automobiles

Pre-Owned Automobiles

Boats, Motor Homes, Travel Trailers, Campers and Jet Skis*

Motorcycles and 4 Wheelers

Personal Loan Rates

"All Other Collateral" Secured Loans

Share Secured Loans

Certificate of Deposit Secured Loans

Line of Credit Rates

$mart Energy Loan Program