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VEHICLE RATES AND TERMS

Effective July 20, 2011 and subject to change.

PROMOTIONAL OFFERS
Rates as low as
LIMITED TIME OFFERS

Rates as low as
1

2.99% Fixed APR

Terms up to 60 months.

3.49% Fixed APR

Terms up to 72 months.

Up to 100% financing for those that qualify. Valid on 2008 or newer model years. 2.99% fixed APR and 3.49% fixed APR valid for qualified borrowers for purchases and/or external refinances. Other rates are available. Subject to credit approval. Not available on existing SDCCU auto loans. Limited time offer.

FIXED RATES AND TERMS

VEHICLES
TERM: up to 60 months2
(Not valid on internal refinance)

Annual Percentage Rate

2006 2007:

BEST DEALS!

5.50% - 15.50% based on creditworthiness. 7.50% - 17.50% based on creditworthiness.

Annual Percentage Rate

2005 or older:
260

month rate valid for purchases and/or external refinances. Not to be combined with promotional offers.

VEHICLES
TERM: 61 to 72 months3 2010 or newer4:

3.990% - 13.990% based on creditworthiness. 4.990% - 14.990% based on creditworthiness. 6.500% - 16.500% based on creditworthiness. 8.500% - 18.500% based on creditworthiness.

2008 2009:

2006 2007:

2005 or older:
3$15,000

minimum loan amount for terms 61 to 72 months. 4Rate applies for zero to 72 month terms.

Based on 100% financing. Rates and terms shown are for qualified buyers and may vary based on the vehicle, amount financed, term and credit history. Paying Interest: Interest will begin to accrue on the day of the advance. Add 2.00% to prevailing rate for loans exceeding 120% loan-to-value (LTV). Not to exceed maximum financing of 130% LTV. LTV = new: Manufacturers Suggested Retail Price (MSRP) and used: Retail Kelley Blue Book (RKBB), both including tax and license fees. Maximum financing for trucks, vans V8 or higher SUVs is 100% of MSRP or RKBB. No Salvaged Titles, Branded Titles, Lemon Law Buybacks, Commercial/Business Vehicles, Grey Market Values or True Mileage Unknown will be financed. Minimum monthly payment: $100.

FEES
Set-Up And Maintenance Fees Internal Refinance: Penalty Fees Late Payment: Returned Payment: $100 (if applicable)

$10 or 6% of your payment, whichever is greater $20

REV. 06.07.11

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VEHICLE RATES AND TERMS

Effective July 20, 2011 and subject to change.
FIXED RATES AND TERMS
MOTORCYCLE LOANS
80% FINANCING

Annual Percentage Rate

Term

$15,000.00 or more:

6.990% - 16.990% based on creditworthiness. 7.990% - 17.990% based on creditworthiness. 8.990% - 18.990% based on creditworthiness.
Annual Percentage Rate Term Up to 60 months

$7,500.00 to $14,999.99:

Less than $7,500.00:

RECREATIONAL VEHICLE / BOAT LOANS

80% FINANCING

$100,000.00 or more:

9.990% - 19.990% based on creditworthiness. 10.990% - 20.990% based on creditworthiness. 11.990% - 21.990% based on creditworthiness. 12.990% - 22.990% based on creditworthiness.
Annual Percentage Rate

Up to 180 months

$50,000.00 to $99,999.99:

Up to 84 months

$15,000.00 to $49,999.99:

Up to 72 months

Less than $15,000.00:

Up to 60 months

RECREATIONAL SPORTS VEHICLE LOANS1

80% FINANCING

Term

$15,000.00 or more:

10.990% - 20.990% based on creditworthiness. 11.990% - 21.990% based on creditworthiness. 12.990% - 22.990% based on creditworthiness.
FEES
Up to 60 months

$7,500.00 to $14,999.99:

Less than $7,500.00:

1Recreational

Sports Vehicles include ATVs, off-road motorcycles and personal watercraft.

Set-Up And Maintenance Fees Internal Refinance: Penalty Fees Late Payment: Returned Payment:

$100 (if applicable) $10 or 6% of your payment, whichever is greater $20

Rates and terms shown are for qualified buyers and may vary based on the vehicle, amount financed, term and credit history. Vehicle values based on MSRP, RKBB and Satisfactory Marine Survey as applicable. Minimum monthly payment: $150. Paying Interest: Interest will begin to accrue on the day of the advance.

REV. 06.07.11

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