Atlantic Financial Federal Credit Union :: Rates & Fees

Loan Rates

Loan Rates For Qualified Applicants As Of October 7, 2009

New, Used & Refinanced Vehicles ($100 Transfer Bonus paid when vehicle loan is transferred from another Financial Institution.)

Maximum term of 4 years for $10,000 or less
Must finance $20,000 or more for 72 months or longer.
Add 1% for used vehicles 1989 & older
Add 2% to regular rate for company vehicles.
Use NADA retail value + 6% for private sale cars.
Vehicles costing $50,000 or more require 15% down of the sale price including taxes, tags & title.
Refinance non AFFCU loans for terms left on current loan at 100% rate unless 3 payments or less are made & bill of sale shows 15% down.

MAX TERM TO REPAY	% DOWN*	ANNUAL % RATE (APR)	AUTO PAY APR**	ATLANTIC PLU$ APR***	SWEET REWARDS APR****
3 YRS	15%	5.00%	4.50%	4.00%	3.00%
4 & 5 YRS	15%	5.50%	5.00%	4.50%	3.50%
6 & 7 YRS	15%	6.00%	5.50%	5.00%	4.00%
3 YRS	NONE	5.50%	5.00%	4.50%	3.50%
4 & 5 YRS	NONE	6.00%	5.50%	5.00%	4.00%
6 & 7 YRS	NONE	6.50%	6.00%	5.50%	4.50%

New & Used Motorcycle or Negative Equity Car Loans (125% MAX incl. taxes, tags, title) or First Time Buyer Vehicle Loans With No Co-Applicant Or Co-Signor Conditions Are Same As Used + Refinanced Vehicle Loan Conditions

MAX TERM TO REPAY	% DOWN*	ANNUAL % RATE (APR)	AUTO PAY APR**	ATLANTIC PLU$ APR***	SWEET REWARDS APR****
3 YRS	15%	8.00%	7.50%	7.00%	6.00%
4 & 5 YR	15%	8.50%	8.00%	7.50%	6.50%
6 & 7 YRS	15%	9.00%	8.50%	8.00%	7.00%
3 YRS	NONE	8.50%	8.00%	7.50%	6.50%
4 & 5 YRS	NONE	9.00%	8.50%	8.00%	7.00%
6 & 7 YRS	NONE	9.50%	9.00%	8.50%	7.50%

Home Equity

18% APR cap.
NO POINTS.
Based on 80% of available equity up to $200,000 maximum.
Opening variable & fixed rate based on current Prime Rate (PR) stated in WALL STREET JOURNAL (WSJ). Thereafter, variable rate set monthly based on PR stated in WSJ on last working day of month.

Prime Rate (PR) as of 11/01/08 = 3.25%

MAX TERM TO REPAY	% DOWN*	ANNUAL % RATE (APR)	AUTO PAY APR**	ATLANTIC PLU$ APR***	SWEET REWARDS APR****
With Closing Costs
5 Years	NONE	4.25% V	3.75% V	3.25% V	2.25% V
		6.00% F	5.50% F	5.00% F	4.00% F
10 Years	NONE	4.25% V	3.75% V	3.25% V	2.25% V
		6.50% F	6.00% F	5.50% F	4.50% F
15 Years	NONE	4.25% V	3.75% V	3.25% V	2.25% V
No Closing Costs
5, 10 or 15 Years	NONE	5.25% V	4.75% V	4.25% V	3.25% V

Closed End Signature Loan

Up to $15,000, 2 signatures may be required for high debt ratios or other extenuating circumstances.

MAX TERM TO REPAY	% DOWN*	ANNUAL % RATE (APR)	AUTO PAY APR**	ATLANTIC PLU$ APR***	SWEET REWARDS APR****
1 to 5 Years	N/A	11.45%	10.95%	10.45%	9.45%

Boat & RVs

up to $15,000
7 Years	15%	8.50%	8.00%	7.50%	6.50%
over $15,000
12 Years	15%	9.00%	8.50%	8.00%	7.00%

Education / College

4 - 6 Years

N/A

9.25%

8.75%

8.25%

7.25%

Education / Private School

1 Year

N/A

8.75%

8.25%

7.75%

6.75%

Share Secured

Share rate + 3.75%. Loan rate changes as share rate changes.

10 Years

N/A

4.25% V

3.75% V

3.25% V

2.25% V

Quick Draw Overdraft Protection

5 Years

N/A

14.95%

14.45%

13.95%

12.95%

VISA

N/A

12.95%

N/A

9.95%

Fixed APR for purchases & cash advances. No Annual Fee ever. No balance transfer fees.

First Mortgages

All types available through Financial Security Consultants. Rates change daily. For rate quotes call (410)823-3300 or 1-800-730-7599.

* 15% down of final purchase price including taxes, tags, titling, etc.
**AUTO PAY Criteria - Payroll deduction or auto transfer of payment
***ATLANTIC PLU$ Criteria - Direct deposit of net pay and either payroll deduction or automatic transfer of payment.
****SWEET REWARDS Criteria - Beacon score of 700 or higher and never caused a loss to AFFCU.
Rates & terms subject to change