SEFCU - Variable Rate Loans

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CURRENT RATES

TODAY'S RATES: Variable Rate Loans
Loan Sub-Account Description	% Above Index	Present APR as low as*	Minimum APR
Line of Credit, Personal	7.50%	14.25%	14.25%
Share Certificate Secured Int only***	3.00%	3.50%	3.00%
Share or Certificate Secured 0-40 LTV **	1.00%	1.50%	1.00%
Share or Certificate Secured 40.01-70 LTV **	1.50%	2.00%	1.50%
Share or Certificate Secured 70.01-100 LTV **	2.00%	2.50%	2.00%
Share or Certificate Secured 100.01-125 LTV **	3.00%	3.50%	3.00%

*APR = Annual Percentage Rate. Rates subject to change without notice.
** Minimum $35 monthly payment. Rates based on prior quarter's average of the 26 week Treasury Bill Constant Maturities.
*** Rates based on prior quarter's average of the 26 week Treasury Bill Constant Maturities. Members may only borrow up to 100% of account balances for Share Secured Certificate Interest Only loans.

Rates Effective 07/07/2009

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