STCU Rates

Loan Type	Annual Percentage Rate	Notes
Personal Unsecured Loan (L85)	As low as 9.39%	fixed rate; terms to 48 months
Personal Secured Loan (L86)	As low as 9.09%	fixed rate; terms to 48 months
Share Secured Loan (L27)	As low as 3.50%	fixed rate; terms to 144 months
Certificate Secured Loan (L31)	As low as 2.25%	variable rate; terms to 144 months
Personal Line of Credit Loan (L19)	7.00%	Variable

The rates, fees, and charges shown are effective Thursday, March 11, 2010. Rates for the Personal Unsecured Loan and Personal Secured Loan include a .50% discount for automatic payment from an active STCU share or share draft account.

The ANNUAL PERCENTAGE RATE (APR) for Variable Rate Advances on the Personal Line of Credit is based on the Prime Rate published in the Wall Street Journal on the last day of the previous month (Index), plus the Percentage Factor Above Index rounded up to the nearest quarter percent (.25%). For variable Rate advances and existing balances, the APR will be adjusted on the first day of each month to reflect any change in the Index. Any increase or decrease in the APR may result in an increase or decrease in the number of payments necessary to pay off the advance. An increase in the APR may increase the payment amount. In no event will the APR be less than 7% or exceed the maximum amount allowed by the laws of the State of Washington, which is currently 18%.

An Annual Fee of $75.00 will be charged on the Personal Line of Credit once a year on March 1. STCU agrees to refund $50.00 of the annual fee, if the payment is made automatically from an active STCU share or share draft account.

Other rates and terms may apply depending on the individual credit worthiness 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 1-800-858-3750.