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CURRENT RATES

TODAY'S RATES: New Auto/RV/Boat
Model years '05-'08Approx. Repayment TermPresent APR
as low as*
New Auto/RV/Boat24 months4.49%
New Auto/RV/Boat36 months4.79%
New Auto/RV/Boat48 months4.89%
New Auto/RV/Boat60 months5.09%
New Auto/RV/Boat72 months5.59%
New RV/Boat Only73-180 months7.00%

TODAY'S RATES: Used Auto/RV/Boat
Model years '01-'04Approx. Repayment TermPresent APR
as low as*
Used Auto/Boat/RV36 months5.75%
Used Auto/Boat/RV48 Month5.99%
Used Auto/Boat/RV60 months6.35%
Used RV only61-84 months7.49%
Model years '97-'00
Approx. Repayment Term
Present APR**
Older Auto/Boat/RV36 months6.50%
Older Auto/Boat/RV48 months6.50%
Older RV only49-84 months7.74%

TODAY'S RATES: Auto Advantage
Future, current, and previous three model years**Approx. Repayment TermPresent APR
as low as*
Auto Advantage24 months5.24%
Auto Advantage36 months5.54%
Auto Advantage48 months5.64%
Auto Advantage60 months5.84%
Auto Advantage72 months6.34%

TODAY'S RATES: New Sportscraft
Model Years '05-'08Approx. Repayment TermPresent APR
as low as*
Sportscraft24 months5.24%
Sportscraft36 Months5.24%
Sportscraft48 months5.24%
Sportscraft60 months5.44%
Sportscraft72 Months6.49%

TODAY'S RATES: Used Sportscraft
Model Years '01-'04Approx. Repayment TermPresent APR
as low as*
Sportscraft36 months5.84%
Sportscraft48 months5.99%
Sportscraft60 months6.54%

TODAY'S RATES: Auto Equity Loan
Loan TypeApprox. Repayment TermPresent APR
as low as*
Auto Equity36 months4.99%
Auto Equity48 months4.99%
Auto Equity60 months5.19%
Auto Equity61-72 months6.24%

TODAY'S RATES: Cash Reserve Account
Loan Sub-Account Description% Above IndexDaily Periodic RatePresent APR
as low as
Minimum APR
Cash Reserve
Rate may vary based on credit worthiness
5.50%0.028767%10.50%5.50%

TODAY'S RATES: Visa Products
Visa® Products:Monthly periodic rateIntroductory Annual Percentage Rate (APR)Standard Annual Percentage Rate
Visa® Capital Card (fixed rate)1.2417%9.90%*14.90% after first 12 months
Visa® Gold Card (variable rate)0.8333%6.90%**10.00% after first 6 months (Prime +5.0%)
+ Visa® Share Secured Gold Card (variable rate)0.5000%N/A6.00%*** (Prime Rate +0.0%)
++ Visa® Share Certificate Secured Gold Card (variable rate)0.5000%N/A6.00%**** (Prime Rate +0.0%)

TODAY'S RATES: Unsecured Personal Loans
Loan Sub-Account DescriptionApprox. Repayment TermPresent APR
as low as*
Unsecured Personal12 months7.79%
Unsecured Personal18 months8.79%
Unsecured Personal24 months8.99%
Unsecured Personal36 months8.99%
Unsecured Personal48 months9.70%
Unsecured Personal60 months10.39%

TODAY'S RATES: Education Loans
TermRate StructurePresent APR as low asMinimum APR
4 Year Draw PeriodRate Fixed Between Advances9.00%8.50%
8 Year Draw PeriodRate Fixed Between Advances9.50%8.50%
4 Year Draw/8 Year RepaymentVariable rate8.50%8.50%

TODAY'S RATES: Variable Rate Loans
Loan Sub-Account Description% Above IndexPresent APR
as low as*
Minimum APR
Line of Credit, Personal7.50%14.25%14.25%
Share Certificate Secured3.00%5.25%3.00%
Share Secured3.00%5.25%3.00%

*Annual Percentage Rate. Rate listed includes a quarter-percent discount for electronic payment and assumes creditworthiness. Other rates and terms may apply. Rates accurate as of today - and subject to change without notice.

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