1st Advantage FCU - Rates

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Loan Rates

Deposit - Loan - First Mortgage - Other Mortgage - Fees - Business Rates - Business Fees

Loan Rates

Effective Date: 09/1/2009(Subject to change without notice)

Type of Loan	Approx Term (Months)	Annual Percentage Rate (A.P.R)
New all 2010 & 2011 with less than 5,000 miles	Up to 48 Months Up to 66 Months Up to 72 Months Up to 84 Months	as low as 5.25%* as low as 5.25%* as low as 6.25%* as low as 7.25%*
Used 2007-2009 also 2010 & 2011 with greater than 5,001 miles	Up to 48 Months Up to 66 Months Up to 72 Months Up to 84 Months	as low as 6.00%* as low as 6.25%* as low as 6.75%* as low as 8.00%*
Used 2004-2006	Up to 60 Months	as low as 7.00%*
Used 2003 and Older	Up to 48 Months	as low as 8.00%*
Signature Loan	Up to 36 Months	$500 to $1500 as low as 11.00%*
Signature Loan	Up to 36 Months	$1501 and more as low as 8.75%*
Certificate Secured Loan **		2% above Certificate Rate
Share Secured Loans		3% above Share Rate
Overdraft Line of Credit		as low as 13.75%

For additional information on rates please see the Loan Addendum.Special Note: Rates may be higher depending on Credit. Rates are subject to change without notice. Rates may vary based on loan term and/or credit worthiness. Terms and Conditions: All other information is detailed on the loans security agreement. Please contact the loan dept at 757-877-2444 ext. 3337 for questions.

*As low as includes the maximum .25% discount available when using any of the following services: direct deposit of entire payroll or using Premier Checking
** Product does not qualify for rate discount.

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VISA Credit Card Rates

Effective Date: 03/01/2010

Credit Card Type	Annual Percentage Rate	Grace Period to repay Purchases	Method used to Compute Purchase Balance	Annual Fee
Platinum Rewards Advantage VISA	as low as 9.75%*	25 Days	Average Daily Balance	None
Platinum Advantage VISA	as low as 7.75%*	25 Days	Average Daily Balance	None

For additional rate information please see the Loan Addendum. Please review your Visa Credit Card Agreement. All other information will be disclosed when you receive your card in the mail. Credit card information is accurate as of 02/01. Please contact the credit union at 757-877-2444 for changes.
* Fixed rates effective 2/20/2010

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	We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the NCUA (National Credit Union Administration), a U.S. Government Agency