EFFECTIVE DATE: February 2, 2012
| Share Secured Loan | |
| Up to 36 Months** | 2.75% |
| 37-60 Months** | 3.25% |
| LAPFCU Share Certificate Secured Loan*** | |
| Rate | 2.00% above the dividend rate being paid on the LAPFCU Share Certificate |
| Amortized Loan Term | Up to the Certificate Maturity Date |
All Rates and Terms are subject to change without notice.
Share Secured Loan Rates reflect 1/4% discount for automatic or payroll deducted payments.
*APR = Annual Percentage Rate.
** Payment example (Rate effective 4/5/11): Share secured loan: A 3 year loan for $5,000 at 2.60% fixed APR would have 36 monthly payments of $144.54
*** Payment example (Rate effective 4/5/11): Certificate secured loan: A one year loan for $2,000 at 2.70% fixed APR would have 12 monthly payments of $169.13
