Ontario Shores Federal Credit Union
Loan Rates

VEHICLE LOANS
Model Years Term APR
New Models 36 Months 4.25%
New Models 48 Months 4.95%
New Models 60 Months 4.95%
New Models 72 Months 5.85%
2007 Models 60 Months 4.95%
2006 Models 48 Months 5.25%
2002-2005 Models 36 Months 5.85%
2001 and Older 36 Months 7.75%

RECREATIONAL VEHICLE LOANS
Model Years Term APR
New Up to 120 Months 6.25%
2004 - 2007 Models Up to 120 Months 6.95%
2003 and Older Models Up to 120 Months 8.25%

MISCELLANEOUS LOANS
Description Term APR
VISA Classic N/A 12.75%
VISA Platinum N/A 11.75%
Unsecured (up to $5,000) 36 Months 10.90%
Checking Line of Credit Open 15.00%
Share Secured 36 Months 3.75%
Certificate Secured CD Term CD rate +2.00%

HOME EQUITY LOANS
Description Max Amount Term APR
Closed End, Fixed $100,000 60 Months 5.45%
Closed End, Fixed $100,000 120 Months 5.85%
Closed End, Fixed $100,000 180 Months 6.25%
Closed End, Fixed (High Value) $40,000 60 Months 7.45%
Closed End, Fixed (High Value) $40,000 120 Months 7.85%
Open End, Variable $100,000 180 Months Prime Rate

For current mortgage rates, please contact the Credit Union.

Loan rates effective January 7, 2009
Rates are subject to change and are dependent upon credit approval



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