Coosa Pines Federal Credit Union

Loan Rates

Make More from Your Money with Loans from Coosa Pines Federal Credit Union

Your credit union has great rates on all types of loans, from auto loans to recreational vehicle loans, and from boat loans to VISA Credit Cards with UChoose Rewards.

Contact a Loan Officer or apply online through Virtual Branch today!

New & Used Auto Loans

Description	Term in Months*	APR*
New & Used	48	as low as 1.90^%
New & Used	60	as low as 1.90^%
New & Used	72	as low as 2.95^%
Models 7 Years & Older	48	as low as 4.50^%

*Rates shown are effective May 17, 2013 and subject to change without notice. Contact a Loan Officer to verify current rates. Quoted rates are our lowest rates offered; this is a partial list. The APR (*Annual Percentage Rate) you receive will be based on your credit worthiness. Certain term and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions.

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Recreational Vehicles

Boats, Motor Homes and Travel Trailers

Description *(Boat, Motor Home, Travel Trailer)*	Term in Months*	APR*
New	48	as low as 2.75%
	60	as low as 3.25^%
	72**	as low as 3.50^%
	84**	as low as 3.95^%
	120***	quoted at application
Used Current & Previous 5 Years	48	as low as 3.55^%
	60	as low as 3.75^%
	72**	as low as 3.95%
	84**	as low as 4.15%
	120***	quoted at application

*Rates shown are effective May 17, 2013 and subject to change without notice. Contact a Loan Officer to verify current rates. Quoted rates are our lowest rates offered; this is a partial list. The APR (*Annual Percentage Rate) you receive will be based on your credit worthiness, type and year model of recreational vehicle. Certain term and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions.

**To qualify for 72 months term, the loan amount must be greater than $10,001.00 to $25,000.00. To qualify for 84 months term, the loan amount must be $25,001.00 to $50,000.00.

***To qualify for 120 months term, the loan amount must be greater than $50,001.00 and loan must be 80% or less of value.

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Mini-Recreational Vehicles

Motorcycles, Personal Watercraft, ATVs and Dirt Bikes

Description *(Motorcycle/ Personal Watercraft)*	Term in Months*	APR*
New	60	as low as 5.75^%
Used Current & Prior 6 Years	60	as low as 6.00^%
Used 7 Years & Older	48	as low as 7.25^%

Description *(ATV/ Dirt Bike)*	Term in Months*	APR*
New	60	as low as 7.25^%
Used	48	as low as 8.25^%

*Rates shown are effective May 17, 2013 and subject to change without notice. Contact a Loan Officer to verify current rates. Quoted rates are our lowest rates offered; this is a partial list. The APR (*Annual Percentage Rate) you receive will be based on your credit worthiness, type and year model of vehicle. Certain term and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions.

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Deposit (Share or Certificate) Secured

Description	Term in Months*	APR*
Share	Maximum 60	2% over dividend rate (2.3% minimum APR)
Share Certificate	Maximum One Year, Not to Exceed Certificate Term	2% over dividend rate (2.5% minimum APR)

*APR = Annual Percentage Rate. Rates shown are effective May 17, 2013 and subject to change without notice. Certain term and rate restrictions apply. See a Loan Officer for details and restrictions.

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Personal Loans

Description	Term in Months*	APR*
Line of Credit		as low as 9.95^%
Monthly Payments	36	as low as 9.95^%

*Rates shown are effective May 17, 2013 and subject to change without notice. Contact a Loan Officer to verify current rates. Quoted rates are our lowest rates offered; this is a partial list. The APR (*Annual Percentage Rate) you receive will be based on your credit worthiness and type of collateral if applicable. Certain term and rate restrictions apply.

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Coosa Pines VISA with UChoose Rewards

Description	Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	9.95^%, 12.95^% or 15.95^%, based on your credit worthiness.
APR for Balance Transfers	9.95%, 12.95% or 15.95%, based on your credit worthiness.
APR for Cash Advances	9.95%, 12.95% or 15.95%, based on your credit worthiness.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purhcases if you pay your entire balance by the due date each month.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $0.01.
For Credit Card Tips from the Federal Reserve	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees
Annual Fee	None
Transaction Fees • Balance Transfer • Cash Advance • Foreign Transaction	None None 1% of each transaction in U.S. dollars
Penalty Fees • Late Payment • Returned Payment	$10.00 $10.00
Other Fees • Statement Copy • Rush Delivery	$2.00 $30.00

*APR = Annual Percentage Rate. Rates shown are accurate as of May 17, 2013. Certain restrictions apply. See a Loan Officer for details. Rates and terms are subject to change without notice. Not all accounts eligible for UChoose Rewards. How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases)". The information about the cost of the card(s) described in the above disclosure is accurate as of December 1, 2012. This information may have changed after that date. To find out what may have changed, call 1-800-237-9789 (toll-free) or 256-378-5559 (local), or write to us at Coosa Pines Federal Credit Union, 17591 Plant Road, Childersburg, AL 35044.

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Mortgage Loans

Coosa Pines FCU offers a variety of fixed and variable mortgage loans that offer competitive interest rates and low closing costs, along with terms to fit your needs.

Advantages of a credit union real estate loan:

No application fees
No pre-payment penalties
No call centers and strangers to deal with – you’ll always deal with people who you know and trust!
Interest may be tax-deductible (Please consult a tax professional for advice.)

Payments can be made by mail, in person or through the night drop at any of our five locations, at a Credit Union Service Center, by Automatic Transfer, through the FREE Virtual Branch internet banking service, FREE Mobile Money mobile phone banking service, or FREE Express Line automated telephone service.

Please call any branch for our current rates:

Childersburg (256) 378-5559
Sylacauga (256) 245-7110
Chelsea (205) 678-3600
Pell City (205) 338-5401
Roebuck (205) 838-2466
Toll-Free (800) 237-9789, Option 4

Go to CPFCU Mortgage Loans. Coosa Pines Federal Credit Union is an Equal Housing Lender.

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APR - Annual Percentage Rate
*Rates shown are effective February 11, 2013. Rates and terms subject to change without notice.