Rates and Yields Spectrum Loan Rates   Rates are subject to change without notice and cannot be guaranteed. Rates may be affected by loan documentation fee (and other fees where applicable). The Annual Percentage Rate may increase after consummation of the loan. Spectrum loans are subject to credit approval and subject to Spectrum loan terms and conditions and can be .50% to 6.50% above quoted rates. The range of loan rate pricing is based on borrower's credit performance. Closed End Fixed Rate Loan representative example: Pay $17.50 per month per 1,000 borrowed for 66 months at 5.29% with up to 100% financing. Rates effective as of August  26, 2008. Rates are subject to change. Please check with your local branch. Loan Rates Loan Type Loan Term APR as low as (no discount) APR rate to (no discout) Security Line-home equity line of credit (available to CA and MD residents)    variable/ revolving-open end       6.04% APR†    New Auto-Truck /Auto Equity    fixed-closed end    0-72 mos.*    5.99%    12.59%               Used Auto-Truck (min.$5K BlueBookValue)    fixed-closed end    0-72 mos.*    6.49%    13.09%               Lease Look-Alike    fixed-closed end    12-60 mos.    6.49%    Vintage/Classic Vehicle    fixed-closed end    same as Used Auto       New RV/Boat (10% down)    fixed-closed end    12-72 mos.**    7.09%    13.69% Used RV/Boat (10% down min.)    fixed-closed end    12-60 mos.**    8.09%    14.69% New Motorcycle (2005/2006 25% down min.)    fixed-closed end    12-36 mos.    7.59%    14.19% Mortgage Loans (incl. 2nds and Jumbos)    fixed/adjustable - closed end    varies/contact credit union    contact Spectrum for current rates and terms    Equity Plus    fixed-closed end    up to 84 mos.    9.25%    Share/Certificate Secured    fixed-closed end    120 mos.    Share Certificate rate +3.00%    Bridge Loans***    fixed-closed end    12-mos.    10.29%    16.89% Signature Loans    fixed/ closed end    12-60 mos.    11.29%    17.89% Education Loans    fixed/ closed end    12-60 mos.    9.30%    15.90% VISA Classic ($10 annual fee, waived with Prism and Global account relationships)    fixed/ revolving-open end       13.90%    VISA CreditBuilder ($24 annual fee, waived with Prism and Global account relationships)    fixed/ revolving-open end       15.90%    VISA GOLD (no annual fee)    fixed/ revolving-open end       10.90%    †APR= Annual Percentage Rate. Actual APR for consumer loans are determined by individual member credit score. All loans are subject to Spectrum's custom loan rate policy. The custom loan rate is assigned at the time the loan is underwritten and is based on the borrower's credit performance. * Loans over $20k may go to 72 months and $30k & over to 84 months with 50 BP increase. ** Loans over $50K may go to 120 months. *** Loans limited to amounts from $250 to $2,500. **** Loans limited to amounts from $5K to $75K. Updated by Manuel on 08/26/2008 9:50:02