Y-12 Federal Credit Union -

Type	Fixed or Variable Annual Percentage Rate (APR)*
Unsecured
Personal Loan	as low as 7.99% Fixed
Ultra Loan	as low as 9.99% Fixed
Access Line Of Credit (LOC)	as low as 8.50% Variable
Share Secured - Installment	2.00% above share rate to nearest .25% Variable

*APR is Annual Percentage Rate. Rates subject to change without notice.

Auto / Motorcycle / ATV	Fixed Annual Percentage Rate (APR)*
Secured
2012-2018	as low as 3.24%
2004-2011	as low as 4.49%
Watercraft / Campers / Motorhomes	Fixed Annual Percentage Rate (APR)*
2012-2018	as low as 3.24%
2011 and older	as low as 4.49%
Tractors / Farm Equipment	Fixed Annual Percentage Rate (APR)*
2012-2018	as low as 4.24%
2011 and older	as low as 5.49%

*APR is Annual Percentage Rate. Rates subject to change without notice.

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Consumer Loans