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Loan Rates

Loan Rates effective as of June 2, 2008

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	4.75%
Used Vehicles	from 36 Months	100% Financing	5.75%
New Boats, Motors & Trailers (3 Year Old Models) ($25,000 and over)	from 24 Months	100% Financing	3.99%**
Used Boats, Motors & Trailers (4 model years and older)	from 24 Months	100% Financing	3.99%**
New Motorcycles	from 24 Months	100% Financing	3.99%**
Used Motorcycles (1-3 year old models)	from 24 Months	100% Financing	3.99%**
New 4 Wheelers	from 24 Months	100% Financing	3.99%**
Used 4 Wheelers (1-3 year old models)	from 24 Months	100% Financing	3.99%**
New Tractors & Equipment	from 24 Months	100% Financing	3.99%**
New Motorhomes, RV's, Campers, Travel Trailers	from 24 Months	100% Financing	3.99%**
Used Motorhomes, RV's, Campers, Travel Trailers (1 - 3 year old models)	from 24 Months	100% Financing	3.99%**
Recreational Vehicles (new & used)	from 24 Months	100% Financing	3.99%**
Computer Loans	24 Months	100% Financing	8.25%
	36 Months		9.25%
Miscellaneous Loans (to include Furniture and Appliances)	36 Months	100% Financing	11.75%
	48 Months		12.00%
Signature Loans (Loanliner Plans)	24 Months	Minimum Loan $300	12.00%
	36 Months		12.50%
PAL/LOC	42 Months		14.50%
Single Payment Note	6 Months		18.00%
Share Loan	48 Months	Minimum Loan $300	5.00%
	60 Months		6.00%
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	5.25%*** APR
Mini Real Estate Loan	72 Months	100% Financing	9.75% 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	6.25% APR
	120 Months	85% Loan-to-Value	8.25% APR
	180 Months	85% Loan-to-Value	9.25% 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 APR*
	90% Loan-to-Value	Prime APR*
	100% Loan-to-Value	Prime 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.

• 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.
• Up to 100% Loan to Value. Certain restrictions apply.
• 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 $1,000.00.
• 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 FCU.
• Consult your tax advisor concerning the tax deductibility of Home Equity Loans.

Educational Loans

MidSouth Federal Credit Union offers Stafford Student Loans. Call our Member Service Officers at 471-9946 or outside Macon at 1-800-736-8407.