Building Trades Credit Union

Selecting the right loan is as important as finding just what you want
in a car or boat. At BTCU, we can help you find the right loan to fit your needs.

> Flexible loan payback terms
> Competitive rates on both new and used car or boat
> Refinance your current loan from another financial instituion
> Quick and easy approvals
> No prepayment penalty

Calculate your loan payment. Try our loan calculator today.

We can also help you find
the right loan for your:

> Motorcycle
> Snowmobile
> Personal Watercraft
> ATV & Pop-Up Trailers

Calculate your loan payment.
Try our loan calculator today.

At BTCU, we don't just pay lip service to the loans we call Personal.

We know each person has their unique goal, and our loan officers work with each individual to customize
the exact loan that fits their financial comfort range and personal lifestyle. Our personal loans offer:

> Flexible loan payback terms
> Competitive rates
> Quick and easy approvals
> No prepayment penalty

Calculate your loan payment. Try our loan calculator today.

One Rate. One Card. No Bull.

There's only one credit card that should be in your wallet - BTCU's Visa Gold Card.

> No annual fee
> Variable rate - 10.75% APR*
> No cash advance fees
> No balance transfer fees
> Earn CURewards points
> Access account online

Click here for rate and additional disclosures.

^{*APR = Annual Percentage Rate. Subject to credit approval.}

When it's time to pay school tuition, take care of home improvements, pay down high interest debt or plan a vacation,
BTCU offers homeowners great financing options including fixed rate home equity loans and home equity lines of credit.

So which option is right for you?

Fixed-Rate Home Equity Loan
If you prefer the stability of a fixed rate loan with fixed
monthly payments over a fixed term, this is the loan for
you. You also get the entire amount in a lump sum up
front, which is good for large single investments or expenses.

Amount Available: $5,000 - $100,000 based on the
equity in your home (and credit qualification)

Interest Rate: Competitive fixed rates

Monthly Payments: Fixed

Access to Funds: Receive one lump sum

Home Equity Line of Credit
If you want access to your money over time for expenses
like ongoing home improvements or tuition payments, this
loan is for you. As you pay down your balance, the funds
become available for future use.

Amount Available: Up to $500,000 based on the
equity of your home (and credit qualification)

Interest Rate: Competitive rates

Monthly Payments: Variable based on how much you use

Access to Funds: Simply call the Credit Union for an advance

Refinance now with the lowest mortgage rates in years!

When you are looking to buy a home or refiance your exisiting one, you want to look for the best option to suit your financial situations. Consider BTCU your mortgage resource.

Contact Brad Benson, Mortgage Lending Manager at 763.255.2668 for more information.

We have a wide selection of options for financing. So chances are, you're sure to find the type of mortgage that suits you perfectly.

Loan Programs	APR*
30-Year Fixed Conventional	4.95%
20-Year Fixed Conventional	4.95%
15-Year Fixed Conventional	4.375%
30- Year Fixed FHA	5.00

^{*APR = Annual Percentage Rate.}^{This is not an advertisement to extend consumer credit as defined by Sec. 226.2 of Regulation Z, nor is it an offer to enter into an interest rate or discount point agreement which may only be made pursuant to subdivisions 3 & 4 of Sec. 47.206 of the Minnesota Statues. Rates shown are our lowest possible rates, effective Feb. 8, 2010 and are subject to change. Your rate may vary depending on your credit history and loan-to-value. In order to receive a guaranteed rate, you must have submitted an application and signed a written confirmation. Minnesota residents must receive a written confirmation as required by MN Statute 47.206.}