Y-12 Federal Credit Union -

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Unsecured
Type	Fixed or Variable Annual Percentage Rate (APR)*
Personal Loan	as low as 9.99% Fixed
Ultra Loan	as low as 11.99% Fixed
Access Line Of Credit (LOC)	as low as 12.99% Variable
Share Secured - Installment	2.00% above share rate to nearest .25% Variable

*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $5,000 personal loan with a term of 48 months at 9.99% APR, the monthly payment will be $126.79.

Secured
Auto	Fixed Annual Percentage Rate (APR)*
2014-2020	as low as 4.24%
2006-2013	as low as 4.34%
Watercraft / Campers / Motorhomes / Motorcycles / ATVs	Fixed Annual Percentage Rate (APR)*
2014-2020	as low as 4.34%
2013 and older	as low as 6.99%
Tractors / Farm Equipment	Fixed Annual Percentage Rate (APR)*
2014-2020	as low as 5.34%
2006-2013	as low as7.99%

*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 auto loan with a term of 60 months at 4.24% APR, the monthly payment will be $370.50.

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Consumer Loans