Loan Rates¹

Collateral

Term

APR As Low As²

Unsecured Loans

Signature*

to 12 months
to 24 months
to 36 months
to 48 months

 9.75%
10.25%
10.75%
11.75%

PowerLine of Credit**

3.00% of balance

Rates quoted above assume excellent borrower credit history and include a 0.25% for automatic payments.  See disclaimer below for details.

Example: $10,000 Signature loan at 4 year term at 11.75% APR = $262 monthly payments. (Estimated)

*Minimum loan amount is $3,000.00
**Discounts Do Not Apply. Minimum loan amount for PowerLine is $1,000.00 with a maximum loan amount of $10,000.

Titled Loans

Auto Loans

Term

APR As Low As²

New Auto/Certified Pre-Owned

to 36 months
to 48 months
to 66 months
to 72 months (b)

5.50%
5.75%
6.00%
6.50%

Used Auto -
Dealer Purchase/Refinance

Year model 2005-current  
Year model 2002-2004

6.25%
7.25%

Used Auto -
Private Party Purchase/Title Secured

Year 2005-current up to 60 months
Year 2002-2004 up to 48 months

7.25%
8.25%

Rates quoted above assume excellent borrower credit history and include a 0.25% for all eligible discounts.  See disclaimer below for details.  Loan amount cannot exceed NADA Loan Value for used autos.  Loan amount cannot exceed MSRP & TT&L for new autos.

Example: Estimated monthly payment for $25,000 new auto loan for 60 months at 6.00% APR = $483

(b) $25,000 minimum loan amount  

Recreational Vehicles

Term

APR As Low As²

New Recreational Vehicles -
Motorcycles, ATV's, Snowmobiles, Jet Skis

to 60 months

7.65%

New Recreational Vehicles -
Boats, Airplanes, Motorhomes, RV's

to 72 months
to 120 months (a)

8.00%
8.50%

Used Recreational Vehicles -
Dealer Purchase/Refinance
Motorcycles, ATV's, Snowmobiles, Jet Skis, Trailers
Year Model 2002-current

to 48 months

8.40%

Used Recreational Vehicles -
Dealer Purchase/Refinance
Boats, Airplanes, Motorhomes, RV's
Year Model 2002-current

to 72 months
to 120 months (a)

8.50%
9.00%

Used Recreational Vehicles -
Private Party Purchase/Title Secured
Motorcycles, ATV's, Snowmobiles, Jet Skis
Year Model 2002-current

to 48 months

9.40%

Used Recreational Vehicles -
Private Party Purchase/Title Secured
Boats, Airplanes, Motorhomes, RV's
Year Model 2002-current

to 72 months
to 120 months (a)

9.50%
10.00%

Rates quoted above assume excellent borrower credit history and include a 0.25% for all eligible discounts.  See disclaimer below for details.  Loan amount cannot exceed NADA Loan Value for used recreational vehicles.

Example: Estimated monthly for new recreational vehicle loan for $15,000 at 5 year term at 7.65% APR = $302

(a) $30,000 minimum loan amount

Home Equity Loans

Home Improvement Loan³

Terms

APR As Low As³

Max CLTV = 85%   (TX Only)

to 60 months
to 120 months
to 180 months

6.75%
7.25%
7.75%

Rates quoted above assume excellent borrower credit history and include a 0.25% for automatic payments.  See disclaimer below for details.

Example: Estimated monthly payment for $15,000 Home Improvement loan at 10 year term at 7.25% APR = $176

Share Plus Federal Bank must assume 1st or 2nd lien position.

Home Equity Loan³

Terms

APR As Low As³

Max CLTV = 80% (Texas)
Max CLTV = 89.9% (All Other States)

to 60 months
to 120 months
to 180 months

6.25%
6.75%
7.25%

Rates quoted above assume excellent borrower credit history and include a 0.25% discount for automatic payments.  See disclaimer below for details.

Example: Estimated monthly payment for $15,000 Home Equity loan for 120 months term at 6.75% APR = $172

Home Equity Line of Credit^3*

Index

APR³

10 or 15 year draw period /
15 year repayment period

Prime Rate as published in The Wall Street Journal

Wall Street Journal Prime plus 0% to 2% Based on Credit

Interest only payments during draw period. 

Rates quoted above assume excellent borrower credit history.  Discounts do not apply.  Floor rate 4.50%.  See disclaimer below for details.

Mortgage Loans

Terms up to 30 years

Rates change daily

For current mortgage loan rates or loan application, call 1-800-35BUCKS ext. 1650, or click here to complete a short application form.

Credit Cards

Click Here for information and to apply for a Share Plus Preferred or Platinum credit card, or call (800) 551-0839, priority code S8SS.

Other Secured Loans

Savings Secured*

Terms

APR As Low As³

Borrow up to 95% of savings balance

To 60 months

4.25%

Certificate Secured*

Terms

APR As Low As³

Borrow up 95% of your CD balance

Up to Term of Certificate

2.50% plus CD rate

^**Discounts do not apply.

Loan Calculator Click here to use a handy loan calculator. ¹Rates are effective as of 10/16/08 and are subject to change without notice.

²APR = Annual Percentage Rate. Rates posted for Signature Loans include one discount for either direct deposit (-.25%) or automatic payment(-.25%). Rates for Consumer loans include one discount of any of the following: checking account or direct deposit (-.25%), automatic payment (-.25%), and Hybrid vehicle (-.25%). Rates are based on an evaluation of applicant credit.  Your actual rate may vary from the rate shown.

³ Annual Percentage Rate. Home Equity Line of Credit - Variable interest rate based on the Wall Street Journal Prime Rate (Index plus a margin ranging from 0% to 2% as determined by credit). As of 10/31/2008 Prime Rate is 4.00% APR. Rate subject to change without notice. Maximum combined loan to value cannot exceed 80% in Texas or 89.9% in other states. Maximum credit line cannot exceed 50% of value of property. Maximum APR not to exceed 18%. Each advance taken must be at least $4,000 (Texas only).  Discounts do not apply.  Floor rate is 4.50%.

Home Improvement Loan - Rates include 0.25% for automatic payments.  TX only; Maximum combined loan to value cannot exceed 85%.

Home Equity Loan - Rates include 0.25% for automatic payments.  Maximum combined loan to value cannot exceed 80% in Texas or 89.9% in other states.

Fees that may apply are appraisal, flood determination, recording fees, and title insurance.  Closing costs vary by state.  Property and flood insurance may be required. Subject to credit approval. Consult your tax advisor regarding tax-deductibility.