Midwest Partners Federal Credit Union

Loan Rates

Loan Rates are effective as of September 1, 2008 and can change at any time
	Term¹	Annual Percentage Rates³
Beacon Credit Score:		720-Above	680-719	640-679	600-639²	599-Below²
New and Nearly New Autos (Years 2008/2007/2006)
Years 2008-2006	24 months	5.25 %	5.50 %	6.25 %	10.25 %	18.00%
Years 2008-2006	36 months	5.25 %	5.75 %	6.50 %	10.25 %	18.00%
Years 2008-2006	48 months	5.75 %	6.00 %	6.75 %	10.75 %	18.00%
Years 2008-2006	60 months	6.00 %	6.25 %	7.00 %	11.00 %	18.00%
Years 2008-2006	72 months	6.75 %	7.00 %	7.75 %	11.25 %	N/A%
New only; $25,000 min.	84 months	7.50 %	7.75 %	8.25 %	11.75 %	N/A%
Used Autos
Years 2005-2002	1-36 months	6.00 %	6.50 %	7.00 %	11.25 %	18.00 %
Years 2005-2002	37-48 months	6.25 %	6.75 %	7.25 %	11.50 %	18.00 %
Years 2005-2002	49-60 months	6.50 %	7.00 %	7.25 %	11.75 %	18.00 %
Years 2001-2000	0-48 months	8.00 %	8.50 %	9.00 %	12.25 %	18.00 %
Years 1999-older (Trade value)	0-36 months	9.00 %	9.50 %	10.00 %	13.25 %	18.00 %
Classic Cars
Restored and 75% of appraisal 60 months		8.25 %	8.75 %	9.25 %	12.00 %	N/A%
All Recreation Vehicles
2008-2004	36 months	6.50%	6.75%	7.50%	10.75%	18.00 %
	48 months	7.00%	7.50%	8.25%	10.75%	18.00 %
	60 months	7.25%	7.75%	8.50%	11.25%	18.00 %
*84 mo-Boats, Campers & Motorhomes only	84 months*	7.50%	8.00%	8.50%	11.25%	18.00 %
*120 mo-Motorhomes only	120 months**	7.50%	8.00%	8.75%	11.75%	18.00 %
All Recreation Vehicles
2003-2000	36 months	7.75%	8.25%	9.00%	12.00%	18.00 %
	48 months	8.25%	8.75%	9.50%	12.00%	18.00 %
	60 months	8.50%	9.00%	9.75%	12.50%	18.00 %
All Recreation Vehicles
1999-Older	36 months	8.25%	8.75%	9.50%	12.50%	18.00 %
	48 months	8.50%	9.00%	9.75%	12.50%	18.00 %
Personal Loans
Unsecured	36 months	11.00%	11.50%	12.00%	N/A	N/A
Share-secured	95% of balance	6.50%	6.50%	6.50%	6.50%	6.50%
Certificate-secured	95% of balance	Rate+2%	Rate+2%	Rate+2%	Rate+2%	Rate+2%
Credit Cards
Visa® Classic	$8,000 max.	13.68%	13.68%	13.68%	13.68%	13.68%
Visa® Platinum	$15,000 max.	6.90%	N/A	N/A	N/A	N/A
Ready Reserve
$100-$1,000	$40 min. payment	18.00%	18.00%	18.00%	18.00%	18.00%
¹ Any vehicle with 100,000 miles plus can have a maximum term of 36 months ² Beacon scores of 639 or less can finance NADA loan value or 20% of purchase price, whichever is less ³ 0.5% discount applies if four of the following services are used: Share Draft Account, Visa® Credit Card, Advantage Check Card, Direct Deposit or Payroll Deduction, IRA Account, Share Certificate, Mortgage Loan or another Consumer Loan. 60 Monthly payments of $19.57 per $1,000 borrowed at an Annual Percentage Rate of 6.50%