CENTURION FEDERAL CREDIT UNION
Interest Rate Addendum
Effective: 1/01/13
Replaces: 7/18/12
Loan Liner Program
INSTRUCTIONS: This addendum is incorporated into and becomes part of your LOANLINER Credit Agreement. Please keep this attached to your LOANLINER Credit Agreement.
The range of ANNUAL PERCENTAGE RATE for each loan type is shown below. Your specific APR, and the amount and due date of your payments, will be determined at the time of each advance and disclosed on your Advance Request Voucher or Note and Disclosure Statement. Other charges that may be imposed are also shown on this addendum (late charges, filing fees, collection & other costs).
| Loan Type | Maximum Term | Annual Percentage Rate |
| Share-secured | 60 months | 4.55% |
| Share-secured | 120 months | 5.05% |
Certificate-secured loans are made at 2.0% over the APY we pay you on the certificate securing the loan, with a term not to exceed the life of the certificate (60 month maximum), although such loans may be renewed, at the then-appropriate loan rate, when and as the underlying certificate is renewed.
The following loans types will have fixed rates, and your rate will be determined by your individual qualifications at the time of the loan approval, and by the collateral used to secure the loan. Ask if you are unclear about the individual rate on your loan.
| Loan Type | Maximum Term | Annual Percentage Rate |
| Signature | (Term proportionate to loan size, 60 month maximum) | 9.55% to 17.30% |
| Line of Credit | (36 month pay back) | 8.05% to 15.05% |
| NEW* Automobile | ||
| 2013-2012 | 60 months | 2.99% to 10.45% |
| 2013-2012 (w/$25,000 loan minimum) | 72 months | 4.25% to 12.45% |
| USED Automobile | ||
| 2012-2011 | 60 months | 3.55% to 9.75% |
| 2010-2009 | 60 months | 3.80% to 10.00% |
| 2012-2009 (w/$25,000 loan minimum) |
72 months | 4.45% to 11.75% |
| 2008-2005 | 60 months | 4.55-5.05% to 12.15% |
| 2004-2001 | 48 months | 5.05-5.55% to 13.00% |
| 2004-2001 |
54 months | 5.55% to 14.15% |
| 2000 & older | 42 months | 5.55-6.05% to 15.00% |
- We may consider loans against trucks, cars and motorcycles 10 or more model years old with an appropriate evaluation for our loan file.
* New autos are considered never titled with less than 2,500 miles.
| Loan Type | Maximum Term | Annual Percentage Rate |
| Motorcycles & ATVs (New/Used) | ||
| 2013-2007 | 48 months | 5.85% to 14.45% |
| 2013-2007 (w/$10,000 loan minimum) | 60 months | 6.05% to 15.00% |
| 2006-2003 | 48 months | 6.05% to 15.00% |
| 2002 & older | 48 months | 6.30% to 16.00% |
| Boats/RVs/Jetskis (New/Used) | ||
| 2013-2007 | 48 months | 6.55% to 15.75% |
| 2013-2007 (w/$10,000 loan minimum) | 60 months | 6.80% to 16.50% |
| 2006-2003 | 48 months | 7.05% to 16.00% |
| 2002 & older | 42 months | 7.30% to 17.75% |
| Jumbo Loans: Boats, RVs (New/Used) | ||
| New to less than 5 model years old | 96 months | 8.05% to 17.35% |
| Loan > $ 50,000 | up to 120 months | 8.55% to 18.75% |
