STCU Rates

Loan Type	Annual Percentage Rate	Notes
Recreational Vehicle Loan - 80% LTV (L57)	As low as 5.74%	Fixed rate; terms up to 180 months (models up to 10 years old). Requires a maximum 80% loan to value. The loan to value is based on 80% of NADA Retail Value or MSRP. Eligible collateral: Boats, motor homes, travel trailers, 5th wheels, campers, conversion vans, motorcycles, jet skis, ATV's, 4-wheelers, waverunners and snowmobiles. Existing STCU loans do not qualify.
Auto/Truck Loan (L87)	As low as 4.99%	Fixed rate; terms up to 84 months (models up to 10 years old)
Recreational Vehicle Loan (L88)	As low as 6.24%	Fixed rate; terms up to 180 months (models up to 10 years old)

The rates, fees, and charges shown are effective Friday, January 9, 2009. Auto/Truck and Recreational Vehicle Loan rates shown above include a .50% discount for automatic payment from an active STCU share or share draft account. Rates for the Auto/Truck Loan and Recreational Vehicle Loans also include a .25% discount for having an STCU Visa Credit Card in good standing. STCU auto/truck rates are .50% higher on terms greater than 78 months. STCU recreational vehicle rates are .63% higher on terms greater than 120 months.

Other rates and terms may apply depending on the individual creditworthiness of each applicant. STCU terms, conditions and rates are subject to change without notice. For more information, please call us at (509) 326-1954 or toll-free at (800) 858-3750.