Flint Area School Employees Credit Union


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LOAN RATES

AUTOMOBILE LOAN INTEREST RATES*
Model Year/ Information	Annual Percentage Rate**	Maximum Length of Loan in Months	Estimated Monthly Payments per $1,000 Borrowed
2009 Auto/ Truck	4.25%	36	$29.61
2009 Auto/ Truck	4.50%	48	$22.80
2009 Auto/ Truck	4.75%	60	$18.76
2009 Auto/ Truck	5.50%	66 ***	$17.59
2008 Auto/Truck	4.50%	36	$29.75
2008 Auto/Truck	4.75%	48	$22.92
2008 Auto/Truck	5.00%	54	$20.72
2007 Auto/Truck	4.75%	36	$29.86
2007 Auto/Truck	5.00%	48	$23.03
2006 Auto/Truck	5.00%	36	$29.97
2006 Auto/Truck	5.25%	48	$23.14
2005 Auto/Truck	5.25%	36	$30.08
2005 Auto/Truck	5.50%	48	$23.26
2004 Auto/Truck	6.75%	30	$36.32
2004 Auto/Truck	7.00%	36	$30.88
2003 Auto/Truck	8.25%	24	$45.34
2002 Auto/Truck	9.50%	18	$59.83
2001 Auto/Truck	10.50%	18	$60.29
* All loans are subject to credit approval. No down payment required for approved and qualified borrowers. If not approved and qualified, a 20% down payment is required.
** Annual Percentage Rate (APR) is effective as of 10/16/2008 and subject to change without notice.
*** With 10% down payment after rebate.

OTHER LOAN RATES *
Type of Loan	Annual Percentage Rate **	Maximum Length of Loan in Months	Estimated Monthly Payment per $1,000 borrowed
Share Secured	4.00%	48	$22.58
Share Secured	6.50%	120	$11.36
Computer Secured	7.50%	24	$45.00
Computer Secured	8.50%	36	$31.57
Certificate of Deposit Secured	Higher of 4.00% or 3.00% Plus CD Interest Rate	Term of Certificate	(Assuming a 4.00% interest rate for a 12 month loan)$85.14
Unsecured Loans (including Lines of Credit)	12.90%	36	$33.66
* All loans are subject to credit approval. No down payment required for approved and qualified borrowers.
** Annual Percentage Rate (APR) is effective as of 10/16/2008 and subject to change without notice.