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Loan Rates

Loan Rates effective as of May 1, 2013

Rates listed are our best rates based on approved credit. Actual interest offered may be higher depending on applicant's credit rating and other underwriting factors.

Fixed Rate Consumer Loans

Loan Type	Term	Loan Conditions	*APR As Low As
New Vehicles	from 36 Months	100% Financing	1.99%**
Used Vehicles	from 36 Months	100% Financing	1.99%**
New Boats, Motors & Trailers (3 Year Old Models) ($25,000 and over)	from 60 Months	100% Financing	5.00%**
Used Boats, Motors & Trailers (4 model years and older)	from 36 Months	100% Financing	5.00%**
New Motorcycles	from 60 Months	100% Financing	4.75%**
Used Motorcycles (1-4 year old models)	from 36 Months	100% Financing	4.75%**
New 4 Wheelers	from 60 Months	100% Financing	5.25%**
Used 4 Wheelers (1-3 year old models)	from 48 Months	100% Financing	5.75%**
New Tractors & Equipment	from 36 Months	100% Financing	7.50%**
New/Used Motorhomes, RV's, Campers, Travel Trailers	from 36 Months	100% Financing	4.75%**
New/Used Motorhomes, RV's, Campers, Travel Trailers	from 48 Months	100% Financing	5.25%**
Recreational Vehicles (new & used)	from 36 Months	100% Financing	4.75%**
Miscellaneous Loans (to include Furniture and Appliances)	36 Months	100% Financing	8.00%**
	48 Months		9.00%**
Signature Loans (Loanliner Plans)	36 Months	Minimum Loan $1000	8.00%**
PAL/LOC	42 Months		11.00%**
Single Payment Note	6 Months		10.00%**
Share Loan	48 Months	Minimum Loan $300	3.50%**
	60 Months		4.50%**
Certificate Secured Loan	Based on TOC**	Minimum Loan $300	APY+2.00%

Please note:

• ** Rate reported is for A+ paper. Limited time only. Please call MidSouth at 1-800-736-8407 to get rates for other terms.
  
  
• *APR - Annual Percentage Rate.
  
  
• Rates are accurate as of the above date and are subject to change.

First Mortgage Loans

Fixed Rate Program			As Low As
First Mortgage	180 Months	80% Loan-to-Value	4.000%*** APR*

Please note:

• ***Rate reported is for A+ paper. Limited time only. Please call MidSouth at 1-800-736-8407 to get rates for other terms.
  
  
• *APR - Annual Percentage Rate.
  
  
• Rates are accurate as of the above date and are subject to change.

Second Mortgage Loans

Second Mortgage Loans			As Low As
Fixed Rate Program	60 Months	85% Loan-to-Value	5.00% APR*
	120 Months	85% Loan-to-Value	7.00% APR*
	180 Months	85% Loan-to-Value	8.50% APR*

Please note:

• *APR - Annual Percentage Rate.
  
  
• Rates are accurate as of the above date and are subject to change.

Home Equity Line of Credit

Adjustable Rate Program		As Low As
Terms up to 180 Months	80% Loan-to-Value	Prime +0% APR*

Please note:

• *APR - Annual Percentage Rate.
  APR is based on an index. Index is the Prime Rate as published in the Money Rates column of the Wall Street Journal.
  Rates will vary based on credit score and Loan to Value (LTV).
  APRs on Adjustable Rate Mortgages (ARM) are subject to change.
• Floor of 4%
• Rates are accurate as of the above date and are subject to change.
• A home equity loan or line of credit is secured by a first or second mortgage lien on your home, which must be one-to-four family residential real estate.
• Cash advance minimum is $1000.
• No closing cost on HELOCs of $20,000 or greater when the member takes an initial advance of at least $5,000.00.
• If the member closes or pays off the credit line within 36 months after it is opened, the member agrees to reimburse the credit union for certain fees. The reimbursement will include any fees paid to third parties by MidSouth CFCU.
• Consult your tax advisor concerning the tax deductibility of Home Equity Loans.

Educational Loans

MidSouth Community Federal Credit Union offers a variety of loan products to meet your educational loan needs. Call our Member Service Officers at 471-9946 or outside Macon at 1-800-736-8407.