1st Community Credit Union

Loan Rates


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Auto Loans
	*APR for**	*APR for**	*APR for**	*APR for**	*APR for**
	24 Months	36 Months	48 Months	60 Months	72 Months
New Vehicle 2009-2010(under 15,000 Miles)	3.99%	3.99%	3.99%	3.99%	4.24%
Used Vehicle 2010-2006	4.44%	4.44%	4.44%	4.44%
Used Vehicle 2005-2002	4.44%	4.44%	4.44%
Older Vehicles		4.44%
Classic & Exotic Vehicles			4.44%

Recreational Vehicle Loans:	Rates Same As Auto Rates
Contact a loan officer for available terms
Boats Campers 4-Wheelers Motorcycles Scooters 5th Wheels Motorhomes Travel Trailers


Manufactured Home Loans:	TERM	APR*
Single Wide
New 2009-2010	60 mo	7.00%
Used 1-5 Years	60 mo	7.75%
Used 6 to 10 yrs	60 mo	8.75%
Used 11 yrs+	60 mo	8.75%

Double Wide	TERM	APR*
2009 (new)-2010	60 mo	7.00%
Used 1-5 yrs old	60 mo	7.75%
Used 6 to 10 yrs old	60 mo	8.75%
Used 11 yrs or older	36 mo	8.75%

Secured Loans
		APR*
Share Secured		3.50%
Share Certificate Secured		APY +� 2%
Prime Plus		3.50%

Unsecured Loans
		APR*
Signature Loan Over $1000		9.50%
Signature Loan Under $1000		14.75%
Kwik Cash		8.25%

Real Estate Loans

15-30 year Fixed Rate Mortgages	Call for current Rates
10 Year Fixed (Residential Only)	4.95% APR*
3 Year Payable-on-demand	5.75% APR*
Home Improvement Loans	7.75% APR*
2nd Mortgage, less than 60% loan to value	5.75% APR*
2nd Mortgage, more than 60% loan to value	5.95% APR*
Construction Loan	3.99% APR*
Rental Property	6.50% APR*
Land	5.95% APR*

Commercial and Ag Loans
New Farm Machinery	6.75% APR*
Used Farm Machinery	7.00% APR*
Livestock	6.75% APR*
New Business Equipment	6.75% APR*
Used Business Equipment	7.25% APR*
New Commercial/Ag Vehicle	3.99% APR*	Ask about terms
Used Commercial/Ag Vehicle	4.44% APR*	Ask about terms
Commercial and Ag Loans, More than $50,000	Call for Current Rates

*APR = Annual Percentage Rate. All rates are current as of 12/08/2009 and subject to change at any time without warning. 100% Financing on vehicle loans available to qualified borrowers.

Members with a 1st CCU Share Draft account may qualify for a .25% discount on loan rate. Discounted loan rate does not apply to Real Estate Loans, Business Loans, or loans at promotional rates.