Loan Rates

MCCU Loan Rates

Effective as of July 1, 2010

(Rates subject to change at any time without notice)

3.99% APR*

Up to 48 Months with FICO Credit Score of 740 or greater. To be used for the purchase of a new car. Refinancing of existing MCCU auto loans not eligible for the 3.99% APR. Must meet credit and income criteria.

3.99% APR*

Up to 48 Months with FICO Credit Score of 740 or greater. To be used for the purchase of a used car. Refinancing of existing MCCU auto loans not eligible for the 3.99% APR. Must meet credit and income criteria.

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Terms up to:	FICO Score APR*	Payment per $1,000†††
New & Used Auto** 48 Months 60 Months 72 Months 84 Months	3.99% 4.49% 4.99% 5.49%	$22.59 $18.65 $16.11 $14.38
Motorcycles 60 Month term (New) 48 Month term (Used)	7.99% 7.99%	$20.28 $24.41
RVs 60 Month term (New) (Up to 120 months for balances over $35,000) 60 Month term (Used) (Up to 120 months for balances over $35,000)	9.00% 9.25%	$20.76 $20.89
New Boats 60 Month term	8.75%	$20.64
Used Boats up to 5 years old	9.00%	$20.76
Computer 36 Months	11.90%	$33.17
Vacation 12 Months	9.90%	$87.88
Personal 60 Months (variable rate)	9.04%***
Share Secured 60 Months	Call
Certificate Secured same as certificate term	Call
Line of Credit revolving (variable rate)	9.04%***
Mortgages Purchases and Refinances	Call our Loan Department at (818) 993-6328
Home Equity Line of Credit	3.99% APR††	Up to 70% of appraised value
Fixed-Rate Second Mortgage 5-Year Term 10-Year Term 15-Year Term	4.99%** 5.99% 6.99%**	Up to 70% of appraised value Up to 70% of appraised value Up to 70% of appraised value

Other Loan Types available, Please call for information.

* All rates quoted by Annual Percentage Rate (APR). Rates quoted are lowest preferred rates based on automatic repayment (through payroll deduction, direct deposit or automatic transfer from shares) and a 740 or greater FICO Credit Score. Members who do not utilize an automatic repayment program will be subject to a one (1) percentage point increase over the preferred rate. Other rates available based on credit worthiness. Rates are subject to change at any time.

** Auto loans require auto insurance from a California admitted carrier with a $1,000 deductible on comprehensive and collision coverage. New autos up to 100% financing available. Used autos up to 7 years old are financed up to 100% of the Retail Kelley Blue Book Value. Used autos up to 10 years old financed up to 100% of the Wholesale Kelley Blue Book value. $15,000 minimum loan amount required for 72 and 84 month terms. Rates may be as high as 18% depending upon credit worthiness. Additional restrictions may apply.

*** Variable rate based on one year T-Bill .29% APR.

**** APR (Annual Percentage Rate) is a fixed rate and is our best rate based on credit worthiness, credit score and dollar amount of loan. Quoted rate based on 740 or higher FICO Credit Score. Rates, terms and conditions are subject to change.

+ $15,000 loan minimum for 72 and 84 month term.

++ 100% financing blue book retail for models 5 years or newer, 100% financing at wholesale blue book for models 6 to 10 years old.

†† APR=Annual Percentage Rate. Minimum rate is 3.99%. Variable rate of Prime +0%, based on the Prime Rate as published in the Money Rates table of the Wall Street Journal. Quoted rate based on 740 or higher FICO Credit Score. Other rates and terms available. Maximum rate is 6% higher than your initial rate. No fees with $30,000 minimum draw, otherwise there is a $243 processing fee.

††† Sample payment based on stated rate.

RVs: New up to 100% purchase price. Used up to 5 years old, NEW RVs - 60 Month Term 100% Retail Blue Book value. 6-10 years old, 100% of Wholesale Blue Book value.

MOTORCYCLES: New motorcycles up to 100% of purchase price. Used Motorcycles up to 100% of Wholesale Blue Book value.

BOATS: New maximum loan = 75% of the purchase price. Used, up to 75% of appraisal or 100% of Wholesale Blue Book value. A title to both the boat and trailer are required.

2009 Matadors Community Credit Union. Your savings federally insured to at least $250,000 and backed by the full
faith and credit of the United States Government, National Credit Union Administration, a U.S. Government Agency.