| Consumer Loan Rates As Low As:1 | |||||
| VISA® Credit Card2 | Introductory APR3 | Index | Margin | Current Indexed APR4 | |
| VISA Student Classic® Credit Card3,4 | 5.90% | Wall Street Journal (WSJ) Prime | 8.65% | 11.90% | |
| VISA Classic® Credit Card3,4 | 5.90% | WSJ Prime | 8.65% | 11.90% | |
| VISA Gold® Credit Card3,4 | 5.90% | WSJ Prime | 7.65% | 10.90% | |
| VISA Platinum® Credit Card3,4 | 0.00% | WSJ Prime | 6.65% | 9.90% | |
| Loan Type | Variable Rate APR1 | Index | Margin | Current | Fixed Rate APR1 |
| Checking Line of Credit | 10.00% | Wall Street Journal (WSJ) Prime | 10.00% | 10.00% | N/A |
| Signature | 6.50% | WSJ Prime | 4.00% | N/A | 9.50% |
| 90 Days Same as Cash | 0.00%/7.75% | WSJ Prime | 4.50% | N/A | N/A |
| Debt Consolidation | 10.95%-13.95% | WSJ Prime | 7.00%-10.00% | N/A | 12.95%-15.95% |
| Home Improvement | 7.50% | WSJ Prime | 4.00% | N/A | 8.75% |
| Overseas Home | 7.95%-9.95% | WSJ Prime | 4.00%-6.00% | N/A | 9.50%-11.50% |
| Education | 7.95% | WSJ Prime | 4.50% | N/A | 8.75% |
| Auto (secured) | 4.50% | WSJ Prime | 1.00% | N/A | 5.50% |
| Auto (outside U.S.) | 6.25% | WSJ Prime | 2.00% | N/A | 7.75%5 |
| Savings Secured | 2.00% | Savings Rate | 1.50% | N/A | N/A |
| Share Certificate Secured | Share Certificate Dividend Rate +1.5% | Share Certificate Rate | 1.50% | N/A | N/A |
| U.S. Federal Government Education Loans6 | Call For Rate | N/A | N/A | N/A | N/A |
| Rates are subject to change without prior notice. Current WSJ Prime is 3.25% | |||||
| 1. All rates quoted are annual percentage rates (APR). Rates quoted are for ‘A’ credit members. Creditworthiness will determine actual APR. 2. There is no annual fee for VISA Student, VISA Classic and VISA Gold credit cards. The annual fee for VISA Platinum Access is $50. Late payment fee for VISA credit cards is US $10. Over-the-limit fee for VISA credit cards is US $10. 3. The introductory rate period for VISA Student, VISA Classic and VISA Gold is six (6) months and three (3) months for VISA Platinum Access. 4. The current indexed APR for VISA credit cards is determined by adding the listed margin to the Wall Street Journal Prime as published on the last day of the preceding month of each billing cycle, subject to a minimum APR of 9.90% for VISA Student, VISA Classic and VISA Gold, and 8.90% for VISA Platinum Access. 5. Rates for new cars may be discounted by 0.25% for every 5% down payment, up to a maximum discount of 1%. 6. For eligible students and parents – US government determines eligibility. Call for a brochure or contact your college financial aid office for further information. | |||||