Titled Vehicles (New or Used)	Term (up to)	Rate
2009 - 2012	48 Months	2.59%
	60 Months	2.79%
	72 Months	3.29%
2006 - 2008	60 Months	3.49%
2005 - 2000	36 Months	3.59%
	48 Months	3.69%
Classic/ Antique Vehicles	48 Months (up to 1996)	4.79%
Maximum Amount: $30,000	60 Months (up to 1996)	4.99%
Motorcycles	48 Months	4.69%
Maximum Amount: $25,000	60 Months (2009-2010)	4.99%
Home Improvement	60 Months	5.69%
Maximum Amount: $20,000	84 Months	6.09%
Personal/Smile Saver	36 Months	8.49%
Maximum Amount: $10,000	48 Months	8.79%
Debt Consolidation	48 Months ($10,000 max)	9.99%
Certificate Secured	Corresponding CD rate plus 4.00%
Line of Credit/Overdraft Protection	--	12.90%
Max. Line: $5,000 / Min. Line: $200
Campers & Boats: 1997 or newer	1 to 5 Years	6.89%
Maximum Amount: $30,000.00	6 to 7 Years	6.99%
	8 to 10 Years	7.19%
ATVs, Lawn & Garden Equipment, Tractors, & Utitlity Trailer
Maximum Amount: $10,000.00	48 Months	6.99%
Vehicle Secured	Refer to Auto Loan Rates
Home Equity Products	Information available uoon request
Home Equity Products as of May 5, 2011
Fixed Rate Equity Loan*	up to 60 Months $5,000-$35,000 up to 120 Months $5,000-$100,000 up to 180 Months $5,000-$100,000	4.95% 5.15% 5.25%
Home Equity Preferred (Type 69)*	Current Prime Rate
Credit Lines: $10,000 - $250,000	85% loan to value ratio
Call for additional information and requirements on individual loan types *Must meet individual product requirements

Simple Paperwork:
The application process is fast and easy. Whether you apply online, by mail, fax or in person, we will, in most cases be able to give you a decision within 24 hours. Save time by having your loan preapproved. Once you have made your decision, the loan can be ready for you that same day. For your convenience, we can arrange to have your payments made automatically from your Fairport FCU savings or checking account.

The following items may be required to complete your loan request:
- Completed and Signed Credit Application
- Income Verification
- Auto Dealer Purchase Agreement
- Used Vehicle Purchase Agreement (Supplied by Credit Union)
- New York State Odometer Verification ( Supplied by Credit Union)
- Name and Address of Auto Insurance Company/Agent

Payment Protection Options:
Fairport Federal Credit Union Payment Protection is low cost Life and Disability coverage that protects families in the event of a death or disability. In the event of a death, Life coverage will pay the insurable loan balance in full. With Disability coverage, members will have the peace of mind knowing monthly payments will be paid, after the first 30 days when a disability occurs.

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Rates stated as Annual Percentage Rate.
Rates subject to change.
Rules subject to change.
* Must meet individual product requirements