SPECIAL OFFER

Loans Online Just Got Better

Collect $200 when you apply online and borrow $10,000
or more! Apply today!

Cash at Closing

$200 given at loan closing and may be taken as cash or check, RCU Prepaid Visa, transfer to account, transfer to loan. Available to qualified borrowers on a new RCU loan of $10,000 or more. Must apply online at www.rcu.org. Offer excludes Kwik Cash, credit card, personal line of credit, loans secured by savings/certificate, and home equity, real estate, business, dealer, and commission advance loans.

¼% Discount Rate

If you have an active RCU Checking Account* and regularly use five other qualifying services, you can receive a 1/4% discount on any new consumer loan.**

Qualifying RCU services:

ePay
Certificate
Check Card
Direct Deposit
Money Market Account
IRAs
Personal Loan
Home Loan
Safe Deposit Box
Visa
RCU Investment and Insurance Services
Home Equity Loan

* RCU defines an active checking account as having 10 or more transactions per month.
**Kwik Cash, Visa, and Business Loans do not qualify for the 1/4% discount/bonus.

Want to buy a new or used car, truck, boat, or snowmobile? We offer several payment terms and 100% financing at most local dealers. You can also get preapproved so your financing is ready when you find the perfect vehicle.

Apply for a loan online.*

Vehicle Loan Rates

Use the convenience of Automatic Payment to simplify your life, and receive a 0.15% discount on your new consumer loan.

For example:

36-Month Term 4.39% APR
With Automatic Payment* 4.24% APR
With ¼% Discount 3.99% APR
Monthly payment on $1,000 loan for a
36-month term at 3.99% APR is $29.53.

Vehicle Loans
(Model Years: 2008 and newer)

	APR	1/4% Discount	Monthly Payment**
36 Months	4.39%	4.14%	$29.70
60 Months	5.24%	4.99%	$18.98
72 Months ($15,000 Minimum)	5.74%	5.49%	$16.45

Vehicle Loans
(Model Years: 2004 - 2007)

	APR	1/4% Discount	Monthly Payment**
36 Months	4.39%	4.14%	$29.70
48 Months	5.74%	5.49%	$23.37
60 Months	6.24%	5.99%	$19.44
72 Months ($15,000 Minimum)	7.49%	7.24%	$17.29

Vehicle Loans
(Model Years: 2003 or older)

	APR	1/4% Discount	Monthly Payment**
24 Months	4.39%	4.14%	$43.60
36 Months	5.99%	5.74%	$30.42
48 Months	6.99%	6.74%	$23.94

Motorcycle, ATV, Snowmobile, Boat, RV,
Travel Trailer, Mobile Home, & Motor Home Loans

	APR	1/4% Discount	Monthly Payment**
24 Months	4.39%	4.14%	$43.60
36 Months	4.39%	4.14%	$29.70
48 Months	5.74%	5.49%	$23.37
60 Months	6.24%	5.99%	$19.44
72 Months ($7,000 Minimum)	7.49%	7.24%	$17.29

APR = Annual Percentage Rate
Rates current as of 07/29/2010
Last changed on 07/15/2010

The above rates are subject to change at any time without notice. Other rates and terms are also available. Rates subject to credit approval. Down payment requirements may apply. Any minimum, fixed, transaction, activity or similar charge may be imposed. The credit union may also include a range of charges that may apply.

*Discount for Automatic Payment is valid on most new secured and unsecured consumer loans. Offer excludes Kwik Cash, credit card, business, indirect, home equity and real estate loans, as well as consumer loans secured by Savings/Certificate of Deposit. Automatic Payment must be established when loan is closed and come from an RCU Checking or Savings account. eBranch and CompuTeller payments do not qualify for this discount. If Automatic Payment is not applied toward loan for two consecutive months, the interest rate will be increased to add 0.15% discount back to the loan rate for remaining term of loan.

** Monthly payment is based on payment per $1,000 for APR rate and term.

*** Annual Percentage Rate may vary, and the maximum interest rate of 18% may be imposed in a variable-rate plan. The credit union may also include a range of charges between $0 to $500 that may apply.

**** Whichever is greater of 3% or $10.

Rebate Calculator

You can save thousands by applying your manufacturer rebate to an RCU Vehicle Loan instead of taking the manufacturer's lower interest rate. Just complete the open boxes and the calculator will fill in the rest!

Vehicle Loan Rates

Description	Credit Union	Manufacturer
Vehicle Price	$	$ 0.00
Rebate	$	$ 0.00
Finance Amount	$ 0.00	$ 0.00
Interest Rate (%)
Months
Payment Amount	$ 0.00	$ 0.00
Monthly Savings	$ 0.00
Total Savings	$ 0.00