Sonoma Federal Credit Union

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Eco-friendly Checking Hybrid Car Loans

IMPORTANT INFORMATION ABOUT LOAN RATES:
The annual percentage rate (APR) of your loan is determined by your individual credit history. Rates advertised are subject to approval, may vary, and are fixed unless otherwise noted. All rates are subject to change without notice.

Auto Loans - Loan rates include 0.25% rate reduction with auto pay.
New Autos Current or prior year models with < 15K miles.	Used Autos 7 Model years old or newer	Vintage Autos 20 Model years old and in Kelly BB for vintage autos	Older Autos 7 Model years old to max age of 10 years old
Term: 60 Months	Term: 60 Months	Term: 1-60 Months	Term: 1-48 Months
APR*: From 5.25%	APR*: From 5.50%	APR*: From 8.30%	APR*: From 8.30%

First Mortgages - Over 400 different products available

Residential, Investment, Vacation Properties
Lowest rates and fees
Refinance with existing balance or obtain additional cash
Full array of purchase options, including 100% financing

Home Equity Loans - Loan rates include 0.25% rate reduction with auto pay.
Home Equity Line of Credit (HELOC) Adjustable Rate Mortgage (ARM)	Quick Qualifier 2nd	Fixed 2nd Trust Deed
Term: 15 Years	Term: 5 Years	Term: 15 Years
Minimum: $10,000	Minimum: $5,000	Minimum: $10,000
Maximum: $200,000	Maximum: $25,000	Maximum: $200,000
APR: (see below)*	APR*: 9.95%	APR*: From 7.50% with 70% LTV
Fees: $500 - $850	Fees: None	Fees: Cost^ + $100
^ Third-party costs (appraisal, title fees, flood determination fee, etc.) may vary depending on amount of the loan.

Signature Loans - Loan rates include 0.25% rate reduction with auto pay.

Term: 1-24 Months

Maximum: $3,000

APR*: From 11.50%

Motorcycles^, Boat, Watercraft, RVs & Trailers (New to 10 Model years old) - Loan rates include 0.25% rate reduction with auto pay.
Term: 1-60 Months	Term: 61-84 Months	Term: 85-120 Months
APR*: From 5.95%	APR*: From 6.95%	APR*: From 7.95%
^ Maximum term of 60 months on motorcycle loans.

Certificate Secured Loans

Term: matches certificate maturity

Maximum: 100% of certificate value

APR*: 2.75% above certificate rate

*APR = Annual Percentage Rate, may vary according to credit score.
** 6.50% for 3 years. Introductory rate, then prime only - based on an 70% combined loan value. Lower introductory rates available on lower combined loan to values.
(effective 07/24/08)



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