Evansville Teachers Federal Credit Union

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New Auto	Personal Loan	Mortgage Rates
Used Auto	Share Pledge	2nd Mortgage Home Equity
Motorcycle	Line of Credit / Overdraft Protection	Home Equity / Open-Ended
Recreational Vehicle/Watercraft	Line of Credit / Overdraft Protection	Home Equity / Open-Ended
Computer and Non-Titled Collateral	Certificate Pledge	First Mortgage Rates Fixed
Computer and Non-Titled Collateral	Home Improvement	5/1 - ARM Rates
Student Loans	Visa	FHA and VA Rates
Credit Builder Loan	Member Business Loan	Manufactured Housing
Rate information is subject to change.
The APR (Annual Percentage Rate) may be as low as the rate indicated. A member's rate is determined by a credit report. Consult an ETFCU loan officer for details.

Limited-Time Offer: Low $149 Closing Costs for Refinanced 10- or 15-Year Fixed Rate First Mortgage

For a limited time only, ETFCU is offering a mortgage loan program with closing costs of only $149 when you transfer a first mortgage to the credit union for a 10- or 15-year term.

Current rates:

10-year: 3.531% APR
15-year: 3.772% APR

For more information or to apply, contact our Real Estate Lending Department at (812) 469-9928 or 1-800-800-9271. You can also apply online at Online Mortgage Center.

*Actual interest rate may vary based on loan amount, purpose, down payment, and credit history. Rates, terms, and conditions are effective as of 2/3/2012 and are subject to change daily. Based on a $100,000 loan on a 180 month term, monthly payments at 3.750% with a $149 fee would be $727.37 per month and a 3.775% APR. The rate cannot be locked until application approval. Property insurance required. Exclusively available on first mortgage refinance transactions with 80% maximum loan to value. Equal Housing Lender.

New/Used Auto/Bus
Model Year	Term	APR	Payment Example
New - 2009	Up to 51 Months	As low as 2.95%	Calculator
	63 Months	As low as 3.35%	Calculator
	66 Months	As low as 3.65%	Calculator
	72 Months	As low as 3.95%*	Calculator
	75 Months	As low as 4.25%*	Calculator
	84 Months	As low as 5.25%#	Calculator
*$12,000 minimum #$20,000 minimum Maximum 72 month term on bus loans.

Used Auto/Bus
Model Year	Term	APR	Payment Example
2008 - 2007	51 Months	As low as 3.49%	Calculator
	63 Months	As low as 3.75%	Calculator
	66 Months	As low as 4.15%	Calculator
	72 Months	As low as 4.45%	Calculator
2006 - 2005	63 Months	As low as 4.35%	Calculator
	66 Months	As low as 4.50%	Calculator
	72 Months	As low as 5.25%	Calculator
2004 - older	60 Months	As low as 5.35%	Calculator

Motorcycle
	Term	APR	Payment Example
New - 2009	51 Months	As low as 2.95%	Calculator
	63 Months	As low as 3.35%	Calculator
	66 Months	As low as 3.65%	Calculator
	72 Months	As low as 3.95%*	Calculator
2008 - 2007	51 Months	As low as 3.49%	Calculator
	63 Months	As low as 3.75%	Calculator
2006 - 2005	63 Months	As low as 4.35%	Calculator
2004 - older	60 Months	As low as 5.35%	Calculator
*$12,000 minimum loan Maximum 72 month term on motorcycle loans.

Recreational Vehicle/Watercraft
	Term	APR	Payment Example
New - 2009	51 Months	As low as 2.95%	Calculator
	63 Months	As low as 3.35%	Calculator
	66 Months	As low as 3.65%	Calculator
	72 Months	As low as 3.95%*	Calculator
	75 Months	As low as 4.25%*	Calculator
	84 Months	As low as 5.25%#	Calculator
	96 Months	As low as 7.00%#	Calculator
	120 Months	As low as 7.50%#	Calculator
	144 Months	As low as 8.00%**	Calculator
2008 - 2007	51 Months	As low as 3.49%	Calculator
	63 Months	As low as 3.75%	Calculator
	66 Months	As low as 4.15%	Calculator
	72 Months	As low as 4.45%*	Calculator
2006	63 Months	As low as 4.35%	Calculator
	66 Months	As low as 4.50%	Calculator
	72 Months	As low as 5.25%*	Calculator
2005 & Older	60 Months	As low as 5.35%	Calculator
	72 Months	As low as 7.00%*	Calculator
$12,000 minimum loan #$20,000 minimum loan *$30,000 minimum loan

Computer and Non-Titled Collateral
Term	APR	Payment Example
36 Months	As low as 4.99%	Calculator
60 Months	As low as 7.00%*	Calculator
84 Months	As low as 8.00%**	Calculator
60 month loan has a minimum loan amount of $1,000 *84 month loan has a minimum loan amount of $20,000

Personal Loan
Term	APR	Payment Example
12 Months	As low as 9.00%	Calculator
24 Months	As low as 9.50%	Calculator
30 Months	As low as 7.75%	Calculator
36 Months	As low as 12.25%	Calculator
48 Months ($2,500 +)	As low as 12.75%	Calculator
60 Months ($7,500 +)	As low as 12.75%	Calculator

Share Pledge
	Term	APR	Payment Example
Closed-end	60 Months	3.15%	Calculator
	120 Months	4.15%	Calculator
Line of Credit	N/A	3.15%	N/A

Credit Builder
	Term	APR	Payment Example
Closed-end	18 Months	3.15%	Calculator

Line of Credit / Overdraft Protection
	As low as 11.50% APR

Certificate Pledge
	2.50% APR above the pledged certificate rate

Home Improvement
Term	APR	Payment Example
60 Months	As low as 7.99% APR - $7,500 maximum	Calculator

Member Business Loan

For current rates or more information about Member Business Loans, contact
Joe Miller by e-mail, or you may reach him at (812) 469-9932 or 1-800-800-9271, Ext. 1280.

Mortgage Rates

Evansville Teachers Federal Credit Union offers a wide variety of fixed- and adjustable-rate mortgage loans. Construction and swing loans are also available. Mortgage loans and home equity loans are available to qualified members in most southwestern Indiana, western Kentucky, and southern Illinois counties.

For additional rates and terms, call the Mortgage Department at (812) 469-9928 or 1-800-800-9271. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

The following rates are effective as of February 3, 2012. The interest rates, annual percentage rates (APRs), and points shown are subject to change frequently and without notice. Actual interest rate and APR may vary based on loan amount, purpose, down payment, and credit history. The rate cannot be locked until application approval.

Apply for your mortgage or home equity loan online at ETFCU's Online Mortgage Center.

First Mortgage Fixed Rates (all rates based on a $100,000.00 loan amount)
30 Years
Interest Rate With 0.000% Origination Fee	APR	Payment Example
4.000%	4.066%	Calculator
Interest Rate With 0.500% Origination Fee	APR	Payment Example
3.875%	3.983%	Calculator
20 Years
Interest Rate With 0.000% Origination Fee	APR	Payment Example
3.875%	3.967%	Calculator
Interest Rate With 0.500% Origination Fee	APR	Payment Example
3.750%	3.898%	Calculator
15 Years
Interest Rate With 0.000% Origination Fee	APR	Payment Example
3.250%	3.366%	Calculator
Interest Rate With 0.625% Origination Fee	APR	Payment Example
3.125%	3.330%	Calculator
10 Years
Interest Rate With 0.000% Origination Fee	APR	Payment Example
3.500%	3.531%	Calculator

Apply for your mortgage or home equity loan online at ETFCU's Online Mortgage Center.

FHA and VA Rates (all rates based on a $100,000.00 loan amount)
Term	FHA Interest Rate	APR*	Payment Example	VA Interest Rate	APR**	Payment Example
30 Years	3.750%	4.334%	Calculator	3.875%	4.049%	Calculator
15 Years	3.125%	3.703%	Calculator	3.375%	3.683%	Calculator

Apply for your mortgage or home equity loan online at ETFCU's Online Mortgage Center.

5/1 - ARM Rates (less than or equal to 95% LTV)
A 5/1 ARM is an adjustable-rate mortgage (ARM) that has an initial interest rate for the first five years and an adjustment interval of one year thereafter.
Term	Interest Rate With 0% Origination Fee	APR	Payment Example	Interest Rate With 1% Origination Fee	APR	Payment Example
30 Years	3.000%	3.094%	Calculator			Calculator

Apply for your mortgage or home equity loan online at ETFCU's Online Mortgage Center.

Second Mortgage Fixed Rates
Term	Interest Rate	APR	Payment Example
5 Years	5.250%	5.266%	Calculator
10 Years	5.750%	5.759%	Calculator
15 Years	6.250%	6.256%	Calculator
Up to 80% loan-to-appraised value. 95% LTV also available.

Apply for your mortgage or home equity loan online at ETFCU's Online Mortgage Center.

Home Equity / Open-Ended

Variable APR

3.25% (80% Loan to appraised value)*
4.75% (95% Loan to appraised value)**

No annual fees
Maximum cap of 18% APR
Closing costs are paid by ETFCU when a minimum credit line of $10,000 is established.
Homeowners insurance is required.

*Based upon the prime rate as published on the first business day of each month in the Wall Street Journal.
**Based upon 1.5% above the prime rate as published on the first business day of each month in the Wall Street Journal.

Apply for your mortgage or home equity loan online at ETFCU's Online Mortgage Center.

Manufactured Homes
	Term	APR	Payment Example
New	120 month*; 20% down	As low as 8.00%	Calculator
Used	120 month*; 20% down	As low as 9.00%	Calculator
*Longer terms available.

Apply for your mortgage or home equity loan online at ETFCU's Online Mortgage Center.

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Evansville Teachers Federal Credit Union neither endorses nor guarantees any product, service, information, or recommendation
made at a third party website. A third party site's privacy policy may differ from Evansville Teachers Federal Credit Union's.
Third party websites may provide less security than your credit union's website.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
The National Credit Union Administration is a U.S. Government Agency.

Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.