Current Personal Loan Rates & Terms

Rates Effective as of 3/12/2008

Product

 Term APR: Maximum
Loan Amount:		 Est. Pmt
Per $100 ***
Credit Cards** $15,000
Visa Classic Line of Credit 16.50% 3% of balance
     Average Daily Balance over $2,500 10.90%
Visa Gold Line of Credit 10.90% 3% of balance
     Visa Gold offers a 1% annual cash rebate on purchases over $1,500
CU SoCal credit cards feature no annual fee, no cash advance or balance transfer fees and a 25-day grace period on all purchases (when balance is paid in full each month).
Personal Loans** $15,000
LOC/Overdraft Protection Line of Credit 13.80% 3% of balance
Signature Loan* 60 Months 13.20% $2.29
Secured Loans
Share Secured* 120 Months 4.55% 95% of balance $1.04
Certificate Secured* Maturity 2.00% + share
certificate rate		 95% of balance Varies
Share Secured Visa Classic Line of Credit 16.50% $10,000 3% of balance
     Average Daily Balance over $2,500 10.90%
* Rates include the following discounts:
  1/4% if Member is in the Value+ Package; plus
  1/4% with direct deposit, payroll deduction or if payments are made by share transfer; plus
  1/4% if Member signs up for CU OnLine or has signed onto CU OnLine in the last 90 days; plus
  1/4% If Member signs up for ePay or has used ePay to pay a bill in the last 90 days
  BONUS: Deduct an additional 1/2% if Member has a CU SoCal first trust deed or HELOC/Equity Loan

**Aggregate Maximum unsecured loan limit not to exceed $25,000
***Payment factor based on maximum term
Minimum payment on all loan types $25

RATES SUBJECT TO CHANGE WITHOUT NOTICE!
CU SoCal makes loans without regard to race, color, religion, sex or national origin.
CU SoCal does not finance Salvaged Title or Lemon Law Buyback vehicles.
Loans by Phone: 800.698.7196   24-hour Rateline: 562.698.8326
PhoneTeller: 562.945.2214   www.cusocal.org

© 2008 Credit Union of Southern California