SharePlus Federal Bank | Consumer Loan Rates

All rates quoted as Annual Percentage Rates¹ as of February 1, 2010. Annual Percentage Rates are subject to change without notice and are accurate as of publication date.

New and Certified Pre-Owned Automobiles

Up to 36 Months	37- 48 Months	49 - 66 Months	67 - 72 Months*
4.50%***	4.75%***	5.00%***	5.75%

Rates quoted above assume excellent borrower credit history and include .25% discount for one of the following: Auto Pay/ACH, Direct Deposit/Checking Account, or Hybrid. Actual APR may be higher based on individual credit history.

Repayment Example: $25,000 for 60 months at 5.00% APR = $471.98

*Minimum loan amount of $25,000 for vehicles financed over 66 month term

***Special rate expires March 31, 2010

Pre-Owned Automobiles

Year Models 2007 and newer

Year Models 2004 - 2006

Dealer Purchase/Refinance	5.50%	Dealer Purchase/Refinance	5.75%
Private Party Purchase/Title Secured	6.50%	Private Party Purchase/Title Secured	6.75%

Loan amount cannot exceed NADA Loan Value - see loan officer for value details

Repayment Example: $25,000 for 60 months at 5.50% APR = $477.75

Recreational Vehicles

Larger Recreational Vehicles Include: Boats, Motorhomes, RV's, Airplanes, Travel Trailers, Campers Smaller Recreational Vehicles Include: Motorcycles, ATV's, Jet Skis, Snowmobiles

New Larger Recreational Vehicles	8.00%	New Smaller Recreational Vehicles	7.65%
Used Larger Recreational Vehicles	8.50%	Used Smaller Recreational Vehicles	8.40%

Rates quoted above assume excellent borrower credit history and include .25% discount for one of the following: Auto Pay/ACH, or Direct Deposit/Checking Account. Actual APR may be higher based on individual credit history.

Maximum term for Larger Recreational Vehicles is 120 months; Maximum term for Smaller Recreational Vehicles is 60 months. Rate may vary based on additional criteria. See a loan officer for details.

Loan amount cannot exceed NADA Loan Value for Pre-Owned Recreational Vehicles.

Repayment Example: $10,000 for 60 months at 8.00% APR = $202.90

Unsecured Personal Loan

Up to 12 Months	13 - 24 Months	25 - 36 Months	37 - 48 Months
9.75%	10.25%	10.75%	11.75%

Rates quoted above assume excellent borrower credit history and include .25% discount for one of the following: Auto Pay/ACH, or Direct Deposit. Actual APR may be higher based on individual credit history.

Repayment Example: $10,000 for 48 months at 11.75% APR = $262.37

Minimum loan amount is $3,000. Maximum loan amount is $10,000.

Unsecured Line of Credit

PowerLine of Credit

12.00%

Rate quoted above assume excellent borrower credit history. Actual APR may be higher based on individual credit history.

Minimum loan amount is $1,000. Maximum loan amount is $10,000.

Savings Secured Loan

Borrow up to 95% of SharePlus savings balance

Up to 36 months	37 - 48 months	49 - 60 months
4.25%	4.50%	4.75%

CD Secured Loan

Borrow up to 95% of SharePlus CD balance - Rate is 2.50% above CD APR

Home Equity Line of Credit (HELOC)

Terms	Rate	Index
10 year draw period followed by 10 or 15 year repayment period	4.75%	Prime rate as published in the Wall Street Journal Prime

Variable APR. Margin based on borrower credit history. Interest only payments during draw period.

*Minimum loan amount is $1,000. Maximum loan amount is $10,000.

Home Equity Loan

Up to 60 months	61 - 120 months	121 - 180 months*
6.25%	6.75%	7.25%

Rates quoted above assume excellent borrower credit history and include .25% discount for one Auto Pay/ACH. Actual APR may be higher based on individual credit history.

*Minimum loan amount for over 120 months is $15,000.

Repayment Example: $15,000 for 60 months at 6.25% APR = $291.89

Home Improvement Loan (TX Only)

Up to 60 months	61 - 120 months	121 - 180 months*
6.75%	7.25%	7.75%

Rates quoted above assume excellent borrower credit history and include .25% discount for one Auto Pay/ACH. Actual APR may be higher based on individual credit history.

*Minimum loan amount for over 120 months is $15,000.

Repayment Example: $15,000 for 60 months at 6.75% APR = $295.42

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.

Mortgage Loans

Rates change daily. For current mortgage loan rates or loan application, call 1-800-387-0587.

Loan Calculator Click here to use a handy loan calculator.

¹APR = Annual Percentage Rate. Rates are based on an evaluation of applicant credit. Your actual rate may vary from the rate shown.

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 12/17/2008 Prime Rate is 3.25% APR. Rate subject to change without notice. Maximum combined loan to value cannot exceed 80%. Maximum credit line cannot exceed 50% of property value. Maximum APR not to exceed 18%. Minimim advance request is $4,000 (Texas only). Discounts do not apply. Floor rate 4.75%.

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%.

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.