Secured Loan Rates

Product	Fixed APR (Annual % Rate	Amount Financed	Maximum Loan Term
New 2009 – 2010 Models	4.99% – 11.99%*	Up to 120%	Up to 84 months
Used 2005 – 2008 Models	5.39% – 12.39%*	Up to 120%	Up to 84 months
Used 2000 – 2004 Models	5.99% – 12.99%*	Up to 80%	Up to 60 months
Classic Models	5.99% – 12.99%*	Up to 80%	Up to 60 months
Share Secured	4.99%	Up to 90%	Up to 36 months

Port of Seattle Federal Credit Union (POSFCU) may finance and refinance your auto loan depending on credit quality. POSFCU may finance up to 120% of the value of your collateral based on NADA Value Guides, plus taxes, license and warranty. Classic Models require an independent appraisal if NADA Value is not available. All NADA Values are based on Average Retail Value. See schedule below for rate information based on collateral value and/or term of loan:

Criteria to Adjust Loan	Adjust Rate
100% Financing	Rate is Standard Rate
110% Financing	Add .50% APR to Rate
120% Financing	Add 1.00% APR to Rate
72 month financing*	Add .40% APR to Rate
84 month financing**	Add .90% APR to Rate
Direct Deposit	Minus .25% APR to Rate
Automatic Payment	Minus .50% APR to Rate
*72 month financing available on balances over $20,000
**84 month financing available on balances over $30,000

Unsecured Loan Rates

Product	Fixed APR (Annual % Rate	Loan Maximum	Maximum Loan Term
VISA Platinum Card	7.99% – 15.00%	$20,000	Revolving
Signature	6.99% – 10.99%*	$999	Up to 12 months
Signature	6.99% – 10.99%*	$2499	Up to 24 months
Signature	6.99% – 10.99%*	$15,000	Up to 48 months

Criteria to Adjust Loan	Adjust Rate
*Direct Deposit	Minus .25% APR to Rate
*Automatic Payment	Minus .50% APR to Rate