Loan Rates as of 7/30/2010 Rates are subject to change without notice Apply for a Loan
Loan Type Approximate Terms	APR as low as *	Conditions
Signature Loan	10.24%	Up to $35,000.
Signature Line of Credit - fixed rate	11.24%	Up to $35,000.
Signature Line of Credit - variable rate	6.00%	Up to $35,000. APR is Prime Rate**+3.00%-8.50%.
Educator Development Loan - up to 12 month	3.00%	Up to $35,000.
Educator Development Loan - up to 24 month	3.00%	Up to $35,000.
Educator Development Loan - up to 60 month	5.00%	Up to $35,000.
Tuition Loan - up to 120 months, variable rate	5.00%	APR is tied to the 1 Year Treasury Rate as published in the Wall Street Journal on the first business day preceding Jan. 1, Apr. 1, Jul. 1, and Oct. 1. +.50%-2.00%.
Tuition Loan - up to 120 months, fixed rate	8.25%
Student Choice Loan	7.24%	Line of Credit up to $75,000
Share Secured (regular shares)	3.00%	Shares (savings) are pledged for loan. The amount of the loan cannot exceed the balance in the account securing the loan.
Share Secured (certificates)	2.00%	Certificates (savings) are pledged for loan. the amount of the loan cannot exceed the balance in the account securing the loan. Loan term must be equal to or less than certificate term.

*	APR = Annual Percentage Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. Rate includes direct deposit discount.
**	Index as published in the Wall Street Journal on the first business day of the month preceding Jan. 1, April 1, July 1, and Oct. 1.