New Automobile - 100% Financing

APR* Months
3.50% 12-36
4.00% 37-48
4.25% 49-60
4.50% 61-72

*EFFECTIVE March 1, 2020 WE FINANCE 100% ON NEW INCLUDING TAX, TAGS, TITLES AND 90% OF NADA RETAIL VALUE ON USED NO OLDER THEN 7 YEARS OLD. MAXIMUM TERM IS 7 YEAR FINANCING, RATES ARE SUBJECT TO CHANGE WITHOUT PRIOR NOTIFICATION

Used Automobile

APR* Months
3.500% 12-36
6.00% 37-48
6.25% 49-60
6.50% 61-72

New Recreational Vehicle

APR* Months
3.50% 12-36
4.00% 37-48
4.25% 49-60
4.50% 61-72

Used Recreational Vehicle

APR* Months
5.00% 12-36
5.75% 37-48
6.25% 49-60
6.50% 61-72

Rates are subject to change without prior notice, rates are based on member credit score and may be negotiable.

Power Line of Credit

APR* Months
15.00% 36

Signature loan payments based on balance and may change with new advances.

Signature Loans

APR* Months
6.00% - 18.00% 36

36 months min. advance $500 maximum loan $20,000
Limits and restrictions apply.

VISA Credit Card

APR* Months
15.90%

Cash advance fees may vary based on card.
Late payment fee min $30.00
Over the limit Fee $30.00 if applicable
Annual Fee $12.00
Returned Payment fee $30.00

Charge / Fee Amount
Default APR* Annual Fees 15.90% 12.00
Minimum Finance Charge NONE
Transaction Fee for Purchase NONE
Grace Period for Repayment of Balance on Purchases 25 days on average
Method of Computing the Balance for Purchases Average daily balance including new purchases
Cash Advance Fee NONE
Late Payment Fee $10 per month
Over Credit Limit Fee $15 per month
Balance Transfer Fee NONE

*If we do not receive the amount due by your second due date, your account is subject to change to the Default APR for purchases, cash advances and balance transfers. The Default APR will remain in place until you make three consecutive monthly payments on time. After three consecutive months of on-time payments, the purchase and balance transfer rates will revert to the current Purchase APR. The Balance Transfer rate will not return to the special promotional rate for the existing balance transfer. The above information is accurate as of the date in the lower right hand corner and is subject to change. For any change in this information since it was printed contact: Southernmost Federal Credit Union 1004 Kennedy Dr. Key West, Florida 33040 September 30, 2009

Risk Based Lending Guidelines Members with Bankruptcy will be charged 3.00% higher on all loans with a maximum of 18.00%. Members with a Beacon score under 500 will be charged 3.00% higher on all loans with a maximum of 18.00% Guidelines for Loan Rate Reductions Members with Beacon score over 600. Present employment more than 3 years No unpaid collection items Homeowner debt ratio 55% Non-Homeowner ratio 40% Members with the above guidelines rate on new collateral, may be reduced by 1.50%. Used collateral may be reduced by 1.00%