Rates as of February 1, 2012
 Rates may vary due to creditworthiness and lending policy. All rates subject to change without notice.1st Choice Credit Union finance all auto loans at 90% of retail value.

Auto Loans
Rates may vary due to creditworthiness and lending policy.
Loan Type Annual Percentage Rate Term

New Autos
RVs
Motor Homes
Boats
Campers

4.50%
4.50%
4.75%
4.75%
4.75%
5.25%
24 months
36 months
48 months
60 months
72 months
84 months

Loan Type Annual Percentage Rate Term
Used Autos
Used RVs
Used Motor Homes
Used Boats
Used Campers
4.50%
4.50%
4.75%
4.75%
5.00%
N/A
24 months
36 months
48 months
60 months
72 months
84 months
Other Loans
Rates may vary due to creditworthiness and lending policy.
Loan Account Annual Percentage Rate Term
Holiday
Vacation
Secured holiday
Secured vacation
12.00%
12.00%
Savings rate + 3.0% — floor 6.0%
Savings rate + 3.0% — floor 6.0%
Installment up to 12 months.
Installment up to 15 months.
Installment up to 12 months
Installment up to 15 months
MasterCard  
Secured
Personal
Gold
Platinum
15.9%*, no annual fee
13.9%*, no annual fee
10.9%*, no annual fee
8.9%*, no annual fee
Revolving
Revolving
Revolving
Revolving
Appliances/Electronics 15.0% Installment up to 24 mos.
Regular Personal 15.0% Installment up to 60 mos.
Line-of-credit & overdraft protection 12.9% Revolving
Share secured 6.0% or 3.0% above Share rate, whichever is greater Installment up to 60 mos.
CD secured 6.0% or 3.0% above CD rate, whichever is greater Installment up to 60 mos.
Mortgage Loans
Rates may vary due to creditworthiness and lending policy.
Long and short terms available Call the credit union at 404-832-5800  
      Installment
2nd Mortgage & Personal Plus Home Equity
 6% APR Under 5 years
2nd Mortgage & Personal Plus Home Equity 6% APR 5 to 10 years
2nd Mortgage & Personal Plus Home Equity 6% APR 10 to 15 years

*Credit Scoring: The credit scoring system used for the Risk Based Pricing program is based on the Equifax Beacon Score obtained by the credit union via Loan Management System.