Eglin Federal Credit Union

PERSONAL SIGNATURE LOAN RATES & TERMS

PERSONAL SIGNATURE LOAN

LOAN TERM	APR* as low as	MAX LOAN AMOUNT
42 Months	13.90%	$20,000

*APR = Annual Percentage Rate.
The above rates are current as of Tuesday, December 18, 2018 and are subject to change.

Terms & Conditions - Personal Signature

Requires EFCU membership.
There is a range of rates for each loan type.
The rate received will be determined by an evaluation of the applicant's credit.
Minimum monthly payment on all loans is $35.

Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.

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LINE OF CREDIT SIGNATURE LOAN RATES & TERMS

LINE OF CREDIT SIGNATURE LOAN

LOAN TERM	APR* as low as	MAX LOAN AMOUNT
------	12.90%	$20,000

*APR = Annual Percentage Rate.
The above rates are current as of Tuesday, December 18, 2018 and are subject to change.

Terms & Conditions - Line of Credit Signature

Requires EFCU membership.
There is a range of rates for each loan type.
The rate received will be determined by an evaluation of the applicant's credit.
Minimum monthly payment on all loans is $35 or 3% of the balance owed.

SAFE LOAN RATES & TERMS

SAFE LOAN

REPAYMENT PERIOD	APR*	MAX LOAN AMOUNT
120 days	16.9%	$500

*APR = Annual Percentage Rate.
The above rates are current as of Tuesday, December 18, 2018 and are subject to change.

Sample Repayment: A $500 loan for 120 days at 16.9% would result in the following approximate payments: $129.34 Monthly, $73.40 Biweekly, or $30.27 Weekly.

Terms & Conditions - SAFE Loan

Your EFCU account must be in good standing and have been opened for at least 30 days.
You must be with your current employer for at least two months.
Your payroll must be direct deposited to your Eglin FCU account.
The loan amount is limited to ½ of your monthly pay or $500, whichever is less.
You must bring in your most current pay statement to establish a SAFE loan.
Payments can be made automatically by transfer.
You can only have one SAFE Loan at a time. Your SAFE Loan must be paid off before applying for another loan.
Members are required to complete the BALANCE Money Management Counseling course prior to receiving their second SAFE Loan of each calendar year. To enroll in the course, call 888.456.2227. This course is not offered online.
Only four SAFE Loans are allowed during one calendar year.
Minimum payment is $25 weekly or $50 bi-weekly/semi-monthly or $100 monthly.
Payments are due on each payday.

GUARANTOR LOAN RATES & TERMS

GUARANTOR LOAN

REPAYMENT PERIOD	APR* as low as	MAX LOAN AMOUNT
42 Months	13.90%	$3000

*APR = Annual Percentage Rate.
The above rates are current as of Tuesday, December 18, 2018 and are subject to change.

Terms & Conditions - Guarantor Loans

Requires EFCU Membership.
There is a range of rates for each loan type.
The rate received will be determined by an evaluation of the applicant's credit.
Minimum monthly payment on all loans is $35
The guarantor must qualify for the loan and agrees to be liable in the event the primary borrower defaults.

Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.

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SAL LOAN RATES & TERMS

SAVINGS ASSISTANCE LOAN

REPAYMENT PERIOD	APR* as low as	MAX LOAN AMOUNT
42 Months	5.00%	$2000

*APR = Annual Percentage Rate.
The above rates are current as of Tuesday, December 18, 2018 and are subject to change.

Terms & Conditions - Savings Assistance Loan

Must be an EFCU member and 18 years of age or older to establish a Savings Assistance Loan.
SAL proceeds are deposited into member's share suffix 1, these shares will be used to secure this loan.
The entire deposit will be on hold until the SAL is paid in full.
Members may have only one SAL at a time.
Maximum loan amount is $2,000.
Monthly minimum repayment is a percentage of the amount borrowed or $35 per month.

Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.

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SHARE SECURED LOAN RATES & TERMS

SHARE SECURED LOAN

LOAN TYPE	MAX LOAN AMOUNT	REPAYMENT PERIOD	APR*
Share Loan Pledging S1 or S4	Available balance in account pledged	84 months	2.00%
Share Loan Pledging S7	Available balance in account pledged	84 months	2.50%
Share Loan (Variable Rate)	Secured by funds in S-1. Rate adjusted quarterly, APR* 3% above S-1 dividend rate.	84 months	Variable%
Share Certificate Loan	Rate is 3% above Share Certificate Rate. Maximum term is Maturity of Share Certificate.	Paid at maturity	3% above Share Certificate Rate

*APR = Annual Percentage Rate.
The above rates are current as of Tuesday, December 18, 2018 and are subject to change.
Requires EFCU membership.

Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.

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