TUCOEMAS Federal Credit Union

CONSUMER LOAN RATES

EFFECTIVE AS OF December 1, 2008

ANNUAL PERCENTAGE RATES - OPEN END LOANS (Fixed Rate Loans)
Subaccount Description	Amount Financed	^{Based on Model Year} Estimated Term	Current Daily Periodic Rate	Current ANNUAL PERCENTAGE RATE
Signature (up to $12,000)	N/A	12 months 24 months 36 months 48 months 60 months	.024630% .028740% .031479% .034219% .039699%	8.99% 10.49% 11.49% 12.49% 14.49%

*New Vehicles: (Autos, Truck, Vans, and Utility)	Up to 100%	Up to 48 months 60 months 72 months¹ 84 months¹	.014384% - .045178% .014384% - .046274% .015616% - .046548% .016986% - .047096%	5.25% - 16.49% 5.25% - 16.89% 5.70% - 16.99% 6.20% - 17.19%

*Used Vehicles (Autos,Truck,Vans, and Utility)	Up to 100%²	48 months 60 months 72 months²	.016301% - .046000% .016438% - .047096% .017808% - .047644%	5.95% - 16.79% 6.00% - 17.19% 6.50% - 17.39%

*New Motorcycles:	Up to 100%	60 months 72 months³ 84 months³	.019863% - .041096% .020548% - .043836% .021233% - .021233%	7.25% - 15.00% 7.50% - 16.00% 7.75% - 8.25%

*Used Motorcycles:	Up to 100%⁴	60 months 72 months⁴	.021233% - .042466% .022603% - .045205%	7.75% - 15.50% 8.25% - 16.50%
*Annual Percentage Rates are based on individual credit worthiness. Please ask a loan officer for details about how your rate is determined. The actual rate will be disclosed before you become obligated. Rates are subject to change without notice. BONUS rate reduction (max. 0.25% APR) discount on above quoted rates are available as follows: 0.25% off APR with automatic payment ¹New Vehicles (Model Year 2007 & newer): Up to 100% financing, 72 month term (estimated) available when financing over $15,000 and 84 month term (estimated) when financing over $20,000. Minimum term is 12 months. ²Used Vehicles (Model Year 2006 & older): Up to 100% financing of Retail Kelley Blue Book. 72 month term (estimated) available when financing over $15,000. Minimum term is 12 months. ³New Motorcycles (Model Year 2007 & newer): Up to 100% financing, 72 month term (estimated) available when financing over $15,000. 84 month term (estimated) is subject to eligibility when financing over $20,000. ⁴Used Motorcycles (Model Year 2006 & older): Up to 100% financing of Retail Kelley Blue Book. 72 month term (estimated) available for 2005 or newer when financing over $15,000.
New Recreational Vehicles Motor Homes, Travel Trailers & Horse Trailers N/A N/A $10,000 $15,000 $25,000 $35,000 $40,000	Up to 100%	Up to 48 months 60 months 72 months 84 months 120 months 144 months 180 months	.017808% - .034932% .018493% - .036301% .019589% - .036986% .022192% - .038356% .022603% - .039726% .023288% - .041096% .024658% - .042466%	6.50% - 12.75% 6.75% - 13.25% 7.15% - 13.50% 8.10% - 14.00% 8.25% - 14.50% 8.50% - 15.00% 9.00% - 15.50%
Used Recreational Vehicles Motor Homes, Travel Trailers & Horse Trailers N/A N/A $10,000 $15,000 $25,000 $35,000 $40,000	Up to 100%	Up to 48 months 60 months 72 months 84 months 120 months 144 months 180 months	.019178% - .035616% .020411% - .036986% .020959% - .037671% .023973% - .039041% .024658% - .040411% .025342% - .042466% .026027% - .043151%	7.00% - 13.00% 7.45% - 13.50% 7.65% - 13.75% 8.75% - 14.25% 9.00% - 14.75% 9.25% - 15.50% 9.50% - 15.75%
New Boats & Jet Skis / Trailers N/A $5,000 $7,500 $20,000	Up to 100%	48 months 60 months 72 months 84 months	.020548% .021918% .024658% .026027%	7.50% 8.00% 9.00% 9.50%
Used Boats & Jet Skis / Trailers N/A $5,000 $7,500 $20,000	Up to 100%	48 months 60 months 72 months 84 months	.021918% .024658% .027397% .028767%	8.00% 9.00% 10.00% 10.50%
New Furniture, Appliances, Computers	Up to 80%	48 months	.034247%	12.50%
Share Secured	Up to 95%	60 months	.019178%	7.00%
Mobile Homes Financing is available up to 100%.
New Mobile Homes N/A $10,000 $15,000 $25,000 $40,000	Up to 80%	Up to 60 months 84 months 120 months 180 months	.020548% - .024658% .023288% - .026712% .026027% - .030137% .027397% - .030137%	7.50% - 9.00% 8.50% - 9.75% 9.50% - 11.00% 10.00% - 11.00%
N/A $10,000 $15,000 $25,000 $40,000	90%	Up to 60 months 84 months 120 months 180 months	.021233% - .022603% .023973% - .025342% .026712% - .028082% .029752% - .030822%	7.75% - 8.25% 8.75% - 9.25% 9.75% - 10.25% 10.75% - 11.25%
N/A $10,000 $15,000 $25,000 $40,000	100%	Up to 60 months 84 months 120 months 180 months	.021918% - .023288% .024658% - .026027% .027397% - .028767% .030137% - .031507%	8.00% - 8.50% 9.00% - 9.50% 10.00% - 10.50% 11.00% - 11.50%
Separate closed-end loan disclosures apply to Mobile Homes.
Used Mobile Homes N/A $10,000 $15,000 $25,000	Up to 80%	Up to 60 months 84 months 120 months	.023288% - .026712% .026027% - .030822% .028767% - .032192%	8.50% - 9.75% 9.50% - 10.75% 10.50% - 11.75%
N/A $10,000 $15,000 $25,000 $40,000	90%	Up to 60 months 84 months 120 months 180 months	.023973% - .025342% .026712% - .028082% .029452% - .030822% .032192% - .033562%	8.75% - 9.25% 9.75% - 10.25% 10.75% - 11.25% 10.75% - 12.25%
N/A $10,000 $15,000 $25,000 $40,000	100%	Up to 60 months 84 months 120 months 180 months	.024658% - .026027% .027397% - .028767% .030137% - .031507% .032877% - .034247%	9.00% - 9.50% 10.00% - 10.50% 11.00% - 11.50% 12.00% - 12.50%
Separate closed-end loan disclosures apply to Mobile Homes.
N/A means not applicable.

ANNUAL PERCENTAGE RATES - OPEN END LOANS (Variable Rate Loans)
Subaccount Description	Amount Financed	Estimated Term	Margin Above Rate Index %	Current Daily Periodic Rate	Current ANNUAL PERCENTAGE RATE
Priority Line of Credit	N/A	N/A	N/A	.032849%	11.99%
Money Action / Super Money Action	up to 100%	60 mos	N/A	.019178%	7.00%
N/A means not applicable.

For Real Estate loans, visit our Mortgage Rates page.

For Visa Credit Card rates, visit our Visa Credit Card Page.

APR=Annual Percentage Rate. Rates are subject to credit approval, and are subject to change without notice. All rates and information listed here are accurate as of the Effective Date above. An example of repayment terms for an 8% closed end Mobile Home loan stated above is 60 monthly payments of $20.36 per $1,000 borrowed. Please call TUCOEMAS' Rate Line at (559) 737-5740 for any changes in rate information. Rates apply to new TFCU Loans and refinances from other financial institutions.