Loan Rates - HarborLight Credit Union

Vehicles/Boats (11/11/08)
Term	APR
Vehicle With 0% Down:
36 to 48 Months	6.00% - 11.00% APR
*(48 monthly payments of $23.38 per $1,000 borrowed)
Over 48 Months	6.25% - 11.25% APR
72 Months ($15,000 min. retail value)
Vehicle loan collateral must have $3,000 min. loan value.

Boats With 10% Down: (requires proof of value and full-coverage insurance) (03-19-08)
Up to 72 Months	6.40% - 11.40% APR
*(72 monthly payments of $16.77 per $1,000 borrowed)
>72 to 144 Months	6.90% - 11.90% APR
(borrow $15,000+)
>144 to 180 Months	7.40% - 12.40% APR
(borrow $25,000+)

RVs With 10% Down: (requires proof of value and full-coverage insurance)
Up to 72 Months	5.90% - 10.90% APR
*(72 monthly payments of $16.53 per $1,000 borrowed)
>72 to 144 Months	6.40% - 11.40% APR
(borrow $15,000+)
>144 to 180 Months	6.90% - 11.90% APR
(borrow $25,000+)

Rates are subject to change.

APR = Annual Percentage Rate

Real Estate Loans (11/20/08)
Home Equity Line of Credit (HELOC) Rate:
		APR
Variable Rate - tied to the Prime Rate		As low as 4.00% APR
(APR may vary. Maximum APR is 18%)
Now waiving Home Equity fees except appraisal fee, if one is needed.
First Mortgage Rates:
		APR
10 Year		5.750% APR
(120 monthly payments of $10.98 per $1,000 borrowed)
15 year		5.750% APR
20 Year		6.500% APR
Fixed Rate, Closed-End Home Equity Rates:
	LTV To 80%	LTV 81 to 90%
5 Year As Low As	7.39% APR*	7.90% APR
10 Year As Low As	7.39% APR	7.90% APR
15 Year As Low As	7.39% APR	7.90% APR
* (60 monthly payments of $19.99 per $1,000 borrowed
No closing costs unless an appraisal is required.
Minimum initial loan balance of $5,000.00.

Rates are subject to change.

APR = Annual Percentage Rate

LTV = Loan To Value

VISA Classic Credit Card
Annual Percentage Rate for Purchases	Annual Percentage Rate for Cash Advances	Annual Percentage Rate for Balance Transfers	Grace Period for Repayment of the Balance for Purchases	Method of Computing the Balance for Purchases and Cash Advances
9.9%	9.9%	9.9%	25 days	Averate Daily balance (including new purchases)
Minimum Finance Charge			Transaction Fee for Purchases	Annual Fee
None			None*	$20.00
Other Fees
One-Time Processing Fee ................................$ 5.00 Late Pmt Fee........................................................$15.00 Overlimit Fee.......................................................$10.00 NSF Payment Fee ...............................................$ 4.00 *International Transaction Fee-the government mandated rate in effect for the applicable central processing date, plus a 1% currency conversion fee for international transactions when a currency conversion occurs or a 0.8% currency fee for international transactions when a currency conversion is not performed. These currency fees will appear as a separate line on your statement for each transaction completed in a foreign country.

VISA Gold First Credit Card
Annual Percentage Rate for Purchases	Annual Percentage Rate for Cash Advances	Annual Percentage Rate for Balance Transfers	Grace Period for Repayment of the Balance for Purchases	Method of Computing the Balance for Purchases and Cash Advances
11.9%	11.9%	11.9%	25 days	Averate Daily balance (including new purchases)
Minimum Finance Charge			Transaction Fee for Purchases	Annual Fee
None			None*	None
Other Fees
One-Time Processing Fee ................................$ 5.00 Late Pmt Fee........................................................$15.00 Overlimit Fee.......................................................$10.00 NSF Payment Fee ...............................................$ 4.00 *International Transaction Fee-the government mandated rate in effect for the applicable central processing date, plus a 1% currency conversion fee for international transactions when a currency conversion occurs or a 0.8% currency fee for international transactions when a currency conversion is not performed. These currency fees will appear as a separate line on your statement for each transaction completed in a foreign country.

VISA Platinum Credit Card
Annual Percentage Rate for Purchases	Annual Percentage Rate for Cash Advances	Annual Percentage Rate for Balance Transfers	Grace Period for Repayment of the Balance for Purchases	Method of Computing the Balance for Purchases and Cash Advances
8.9%	8.9%	8.9%	25 days	Averate Daily balance (including new purchases)
Minimum Finance Charge			Transaction Fee for Purchases	Annual Fee
None			None*	None
Other Fees
One-Time Processing Fee ................................$ 5.00 Late Pmt Fee........................................................$15.00 Overlimit Fee.......................................................$10.00 NSF Payment Fee ...............................................$ 4.00 *International Transaction Fee-the government mandated rate in effect for the applicable central processing date, plus a 1% currency conversion fee for international transactions when a currency conversion occurs or a 0.8% currency fee for international transactions when a currency conversion is not performed. These currency fees will appear as a separate line on your statement for each transaction completed in a foreign country.

Rates are subject to change.

APR = Annual Percentage Rate