Effective Date: October 1, 2008

PERSONAL LOANS
APR*
One – Five Years
9.99%**
MasterCard
9.99% to 15.99%** Credit Limits are contingent with rate offered to you.
  
Share Secured
5.50%
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HOME EQUITY RATES
APR*
0 to 60 Months
5.75%
61 to 120 Months
6.00%
121 to 180 Months
6.99%
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HOME EQUITY LINE OF CREDIT
APR*
Up to 180 Months
5.50% This rate is an adjustable rate. Which can change in January and July of each year. Based on WSJ Prime Rate plus 1/2 percent. Up to a maximum of two percentage points in a calendar year. With an overall maximum of 18%. Loan limits exclude Credit Disability Insurance. (i.e. loan limit + CDI)
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NEW VEHICLE RATES
APR*
Up to 24 months
N/A
Up to 36 months
3.99%**
Up to 48 months
4.99%**
Up to 60 months
5.49%**
Up to 72 months
6.49%**
Vehicle Loan Terms
New Untitled vehicles with a value of $20,000.00 and over up to 72 months
New Untitled vehicles with a value of $10,000.00 and over up to 60 months
New Untitled vehicles with a value of $7,000.00 and over up to 48 months
New Untitled vehicles with a value of $2,500.00 and over up to 36 months

New Vehicles, HORIZON FCU will lend 100% of Manufacturer’s suggested retail price, plus tax and tags.
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USED VEHICLE RATES (less than 5 years old)
APR*
Up to 36 months
5.99%**
Up to 48 months
5.99%**
Up to 60 months
6.24%**
Up to 72 months
7.49%**
USED VEHICLE RATES (6 years or older)
APR*
Up to 36 months
7.24%**
Up to 48 months
7.24%**
Up to 60 months
7.49%**
Up to 72 months
8.49%**
Vehicle Loan Terms
Used Titled vehicles with a value of $20,000.00 and over up to 72 months
Used Titled vehicles with a value of $10,000.00 and over up to 60 months
Used Titled vehicles with a value of $7,000.00 and over up to 48 months
Used Titled vehicles with a value of $2,500.00 and over up to 36 months

Used Vehicles 5 years or newer, HORIZON FCU will lend 100% of NADA average retail value, plus tax and tags.
Used Vehicles 6 to 8 years, HORIZON FCU will lend 85% of NADA average retail value, plus tax and tags.
Used Vehicles 8 years or older, Horizon FCU will lend 60% of NADA average retail value, plus tax and tags.

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NEW RV RATES (untitled)
APR*
Up to 60 months
7.50%**
Up to 84 months
NA
Up to 120 months
8.00%**
RV Terms
New RVs, HORIZON FCU will lend 80% of manufacturers suggested retail plus tax and tags.
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USED RV RATES
APR*
Up to 60 months
7.75%**
Up to 84 months
8.25%**
Up to 120 months
NA
RV Terms
Used RVs, HORIZON FCU will lend 80% of NADA average retail value plus tax and tags.
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  *APR is the Annual Percentage Rate
** The actual rate and term offered to you will be determined by your credit score and credit report. Rates are subject to change without notification. Please contact the credit union for current rates.

Loan Policies and Loan Guidelines are available upon request at the credit union offices.