Loans

Home Equity Credit Lines ^{(5), (10), (11)}

	Term	Annual Percentage Rate
Extreme Equity up to $249,999	25 years	2.99% for the first 6 months; then the APR adjusts to the current Prime rate as listed in the Money Rates section of the Wall Street Journal, plus or minus a margin based on individual credit circumstances, but never lower than 4% APR. (1) (2)

As of 12/16/08, the current PRIME rate is 3.25% as listed in the Money Rates section of the
Wall Street Journal.

Click here  for information from the Federal Reserve about what you should know about Home Equity Credit Lines.  

Apply 24/7   Loans subject to credit approval.

Fixed Rate Home Equity ^{(3), (4), (5), (10), (11)}

Term	Annual Percentage Rate	Monthly Payment per $100 borrowed
5 years	As low as 4.99%	$1.89
10 years	As low as 5.49%	$1.08
15 years	As low as 5.74%	$0.83
20 years	As low as 5.99%	$0.72

Apply 24/7  Loans subject to credit approval.

Vehicle Loans:
New Car and Truck Purchase ^{(4), (6), (7), (8)}
Reduce your rate by up to .25% with Resource Rewards.
Click here for details.

Term	Annual Percentage Rate	Monthly Payment per $100 borrowed
Up to 48 months	As low as 3.49%; loans from $3,000	$2.24
60 months	As low as 3.74%; loans from $10,000	$1.83
72 months	As low as 3.99%; loans from $20,000	$1.56
84 months	As low as 4.99%; loans from $20,000	$1.41

Apply 24/7  Loans subject to credit approval.

Used Car and Truck Purchase ^{(4), (6), (7), (8)}
Reduce your rate by up to .25% with Resource Rewards.
Click here for details.

Term	Annual Percentage Rate	Monthly Payment per $100 borrowed
Up to 48 months	As low as 3.99%; loans from $3,000	$2.26
60 months	As low as 4.24%; loans from $10,000	$1.85

Apply 24/7   Loans subject to credit approval.

Call 800.933.3280, press 4, for Motorcycle, Boat, RV and Classic Car Loan Rates ⁽⁶⁾

Super Stock Secured and Option Loans ^{(3), (8)}

	Term	Annual Percentage Rate	Monthly Payment per $100 borrowed
Line of Credit		As low as 4.00%	Varies
Principal & Interest	Up to 120 months	As low as 6.00%	$1.11
Interest Only	Up to 12 months	As low as 4.00%	$ .33 Interest Only

Apply 24/7    Loans subject to credit approval.

Personal Loans ⁽⁸⁾

	Term	Annual Percentage Rate	Monthly Payment per $100 borrowed
Personal Loan	Up to 60 months	As low as 9.95% (7)	$2.12
Personal Line of Credit	3% of unpaid balance plus interest	Prime + 4.00% (9)	Varies

Apply 24/7  Loans subject to credit approval.

Savings/Certificate Secured Loans ^{(8), (12)}

	Term	Annual Percentage Rate
Savings Secured	Up to 120 months	3% over dividend rate
Certificate Secured	Term of Certificate	3% over dividend rate

For payment information or to apply, call 800.933.3280, press 4.   Loans subject to credit approval.

(1) Six month introductory Annual Percentage Rate (APR) applies to new loans and requires a minimum $500 initial draw.  After the introductory 6 month period, the Annual Percentage Rate (APR) is based on individual credit circumstances, amount of equity in the subject property, Resource Rewards reward level rate reduction eligibility, and automatic payment deduction selection, and may increase after the Credit Line is established subject to change as the PRIME rate changes, but will never be lower than 4% or higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%.   If you choose to waive automatic deduction, your rate will be .25% higher.  Rates are subject to change without notice.  Any existing Financial Resources Home Equity Credit Line previously receiving an introductory APR, that’s being financed in order to receive the new introductory six month APR, requires a $50,000 increase in the Credit Line amount, subject to approval, and requires that a fee of $195 be paid if the Home Equity Credit Line being refinanced has been open one year or less.

(2) The Annual Percentage Rate (APR) is subject to change monthly once your Line is established.

(3) The Annual Percentage Rates (APRs) quoted are the lowest based on Resource Rewards "Platinum" reward level and individual credit circumstances for each qualified applicant, and includes a .25% reduction in rate for automatic payment deduction from a Financial Resources deposit account.   If you choose to waive automatic deduction, your rate will be .25% higher.  For Home Equity Loans, the lowest rate is also based on 20% equity in the subject property.  The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. Certain restrictions and minimum loan amounts may apply. Rates are subject to change without notice.

(4) Annual Percentage Rate (APR) remains fixed for the term of the loan.

(5) Home Equity Loans and Lines are not available in Puerto Rico and the states of Alaska, Hawaii and Texas.

(6) - Get 100% financing on new vehicles plus tax, tag, title and extended warranty insurance.
      - Used vehicle loans are granted on vehicles no more than seven (7) years old get up to 100% of the NADA retail value.
      - 80% financing available on boats.
      - 75% financing available on new recreational vehicles.
      - Classic cars are defined as vehicles with a minimum age of 20 years.

(7) The Annual Percentage Rate (APR) quoted is the lowest based on individual credit circumstances for each qualified applicant, and includes a .25% reduction in rate for automatic payment deduction from a Financial Resources deposit account.   If you choose to waive automatic deduction, your rate will be .25% higher.  The rate will never be higher than the maximum allowed by the Federal Credit Union Act from, which is currently 18%. Certain restrictions and minimum loan amounts may apply. Rates are subject to change without notice.

(8) Loans and Lines are not available in Puerto Rico.

(9)  Prime equals Prime Rate as listed in the Money Rates section of the Wall Street Journal on the 20th day of the 2nd month of the previous quarter. Minimum rate is 12.00% APR.

(10)  Loan amounts up to $249,999.

(11)  The states of AL, FL, GA, KS, the Orleans Parish of LA, MD, MN, NY, OK, TN, and VA impose a Mortgage Recording tax at the time the mortgage is recorded and can vary from state, county and locality, and can range from .10% to 2.175% of the approved loan or credit line amount, or $1 to $21.75 for each $1,000 of the approved loan or credit line amount.  If the subject property lies in any of these areas, you will be notified of this fee amount and your home equity loan or credit line will be advanced to satisfy the fee. An early termination fee of $195 will be imposed on Home Equity Credit Lines paid-off or cancelled within one year from the date the Home Equity Credit Line is established.

(12)  Payment terms depend on Savings or Certificate account used to secure the loan.  Please click here for current Savings and Certificates rates, subject to change daily.  For more information, please call 800.933.3280, press 4.