All of our Annual Percentage Rates (APR) are subject to change. To see if a rate has changed, or for additional information about fees and terms, send us an email, or call us at (425) 385-3888 or 1-800-247-7072.

Rates updated: March 31, 2008

AUTOS (NEW and USED) Includes Auto Equity Term         Rate 0-84 mos* 5.45% to 14.95% APR¹

Financing available up to 150% of Kelly Blue Book or NADA wholesale/trade in including tax, license, warranty and GAP protection. Terms for used auto (7 years or older) are available for up to 48 months. Up to 84 months require a minimum of $25,000 and are only available to qualified applicants. Rates, Terms and financing subject to credit worthiness.

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BOATS and RVs (NEW and USED) Term 0 Down 0-144 mos 7.00% to 12.00% APR¹

Financing available up to 90%. Loan to Value (LTV) is based on the lesser of Purchase Price, NADA Retail, Marine Survey or licensed appraisal plus warranty, options, sales tax and licensing. 100% financing is available for qualified applicants. Maximum loan amount is $75,000. 144 month term available only on new, never been licensed or current year model. Educational Community Credit union does not finance seven years and older on RVs. (An exception may apply for qualified applicants.) Rates, Terms and financing subject to credit worthiness.

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STREET LICENSED MOTORCYCLES Term 0 Down         0-60 mos*         7.00% to 14.75% APR¹

Financing available up to 90%. Loan to Value is based on the lesser of Purchase Price or NADA Retail plus warranty, options, sales tax and licensing. Educational Community Credit Union does not finance five years and older on motorcycle. (An exception may apply for qualified applicants). 72 month term available only on new, never been licensed or current year model. Rates, Terms and financing subject to credit worthiness.

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SNOW MOBILES, ATVs, JET SKIs and DIRT BIKES Term 0 Down         0-60 mos*         7.00% to 15.00% APR¹

Financing available up to 90%. Loan to Value is based on the lesser of Purchase Price or NADA Retail plus warranty, options, sales tax and licensing. Educational Community Credit Union does not finance five years and older. (An exception may apply for qualified applicants). 60 month term available only on new, never been licensed or current year model. Rates, Terms and financing subject to credit worthiness.

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OTHER SECURED LOANS (HORSE TRAILERS, CARGO TRAILERS, TRACTORS, ETC.) Term 0 Down         0-60 mos*         10.00% to 12.50% APR¹

Financing available up to 90%. Loan to Value is based on the lesser of Purchase Price or NADA Retail or certified appraisal if needed plus sales tax and licensing. Educational Community Credit Union does not finance five years and older. (An exception may apply for qualified applicants). 72 month term available only on new, never been licensed or current year model. Rates, Terms and financing subject to credit worthiness.

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Shared Secured Loans Shared Pledged loan is 3% above current dividend rate. Certificate (CD), Regular Share and Money Market

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UNSECURED LOANS Signature Fixed 7.99% to 15.99% APR up to 72 months Rates, Terms and financing subject to credit worthiness. Personal Lines of Credit 12.25% APR Maximum loan amount available is $10,000.00 for qualified applicants Financing subject to credit worthiness.