Consumer Loans
Description	Term	*Rate	Payment per $1,000 of loan
Loan Special Rates Based on Approved Credit and all Eligible Discount
LOAN SPECIAL  New Money Secured Loans Autos, Boats, Motorcycles, RVs	36 months	4.00% APR	$29.52
	60 Months	4.75% APR	$18.76
	72 Months	5.75% APR	$16.46
LOAN SPECIAL   Tax Return Loans ($500 min.) (80% of federal return)
	60 day Term	8.00% APR
LOAN SPECIAL DISCOUNTS:  Receive additional deductions  of 0.5% for 2008 and newer vehicles and 0.25% for payroll deduction, direct deposit or electronic payment.
Signature Loans	12 Months	8.00% APR	$86.99
	24 Months	9.95% APR	$46.12
	36 Months	9.95% APR	$32.24
2008 and Newer Model Year Autos, Boats, Motorcycles, RVs	36 Months	5.25% APR	$30.08
	48 Months	5.50% APR	$23.26
	60 Months	6.25% APR	$19.45
	72 Months	6.75% APR	$16.93
Secured Loans Autos, Boats, Motorcycles, RVs	36 Months	5.75% APR	$30.31
	48 Months	6.00% APR	$23.49
	60 Months	6.75% APR	$19.68
	72 Months	7.25% APR	$17.17
Boats & RVs	84 Months	8.25% APR	$15.71
RVs	120 Months	11.00% APR	$13.78
FLOOR RATES All Loan Special and Discounted rates are subject to these Floor rates	36 Months	5.00% APR	$29.97
	48 Months	5.25% APR	$23.14
	60 Months	6.00% APR	$19.33
	72 Months	6.50% APR	$16.81
Closed End Second Mortgage - Max 80% Loan to Value
Up to	60 Months	6.00% APR	$19.33 - 60 Months
61 Months to	120 Months	7.50% APR	$11.87 - 120 Months

*Interest rates listed are APR (Annual Percentage Rate). All rates are subject to credit approval and are subject to change without notice. Rates apply to new CKCU loans and refinances from other financial institutions. All rates listed are "AS LOW AS". Your rate will be determined by your credit performance and security offered.

1st Mortgage Loans
Please contact Diane at 800-332-0778 or by e-mail at diane@ckcu.org to discuss your mortgage lending needs. She will answer any questions you may have and provide you with the most current rates available whether you want to purchase a new home or refinance your current home.