Building Trades Credit Union

Car, Boat & Motorcycle Loans
Model Year 2012-2011	APR*	Model Year 2010-2009	APR^*	Model Year 2008-2005	APR^*
Up to 48-months	as low as 3.49%	Up to 48-months	as low as 3.49%	Up to 60-months	as low as 5.75%
48 to 60-months	as low as 3.49%	48 to 60-months	as low as 3.49%	Model Year 2004-1997	APR^**
61 to 84-months	as low as 3.75%	61 to 72-months	as low as 3.75%	Up to 60-months	as low as 7.75%

Licensed Camper Loans
Model Year 2012-2011	APR¹	Model Year 2010-2009	APR¹	Model Year 2008-2005	APR¹
Up to 48-months	as low as 4.75%	Up to 48-months	as low as 4.75%	Up to 48-months	as low as 5.75%
48 to 60-months	as low as 4.75%	48 to 60-months	as low as 4.75%
61 to 84-months	as low as 4.75%	61 to 72-months	as low as 4.75%

Personal Recreational Vehicle Loans		Personal Loan	APR⁴	Line of Credit	APR¹
Model Year 2012-2008	APR¹	Up to 60-months	as low as 9.75%	or Overdraft Protection	as low as 10.00%
Up to 60-months	as low as 6.50%

Fixed Rate Home Equity Loan		Variable Rate Home Equity Line of Credit
80% LTV - rates as low as 5.25% APR²		80% LTV - rates as low as 4.00% APR³

^{Rates and terms are subject to change.

*APR = Annual Percentage Rate. Minimum loan amount is $15,000. Actual rate based on applicant's payment and credit history. **APR = Annual Percentage Rate. Minimum loan amount is $10,000. Actual rate based on applicant's payment and credit history. 1. APR = Annual Percentage Rate. Actual rate based on applicant's payment and credit history. 2. APR = Annual Percentage Rate. LTV = Loan-to-Value. Fixed-rate loan payment example: Assume loan amount of $25,000. Monthly payments on an 80% loan-to-value, 10-year amortization at 5.25% APR would equal $268.23. Closing costs vary by state. The average cost is $300 but can range from $50 to $2,000. Consult a tax advisor regarding the deductibility of interest. 3. APR = Annual Percentage Rate. LTV = Loan-to-Value. Closing costs vary by state. The average cost is $300 but can range from $50 to $2,000. Consult a tax advisor regarding the deductibility of interest. 4. APR = Annual Percentage Rate. Minimum loan amount is $5,000. Actual rate based on applicant's payment and credit history.}

Labor Saver	APY*	Mini-Labor Saver	APY*	Advantage Savings	APY*
($25 minimum balance)		($5 minimum balance)		($2,500 minimum balance)
$0 to $299.99	0.00%	$0 to $4.99	0.00%	$0 to $2,500	0.00%
$300 or more	0.05%	$5 or more	0.05%	$2,500 to $9,999.99	0.10%
				$10,000 to $49,999.99	0.15%
				$50,000 or more	0.20%

^{*APY = Annual Percentage Yield. Rates are subject to change.}

6-Month	APY*	12-Month	APY*	24-Month	APY*
$1,000 to $9,999.99	0.20%	$1,000 to $9,999.99	0.30%	$1,000 to $9,999.99	0.60%
$10,000 to $49,999.99	0.30%	$10,000 to $49,999.99	0.40%	$10,000 to $49,999.99	0.70%
$50,000 to $99,999.99	0.40%	$50,000 to $99,999.99	0.60%	$50,000 to $99,999.99	0.90%
$100,000 or more	0.40%	$100,000 or more	0.60%	$100,000 or more	0.90%

48-Month	APY*	60-Month	APY*
$1,000 to $9,999.99	1.15%	$1,000 to $9,999.99	1.40%
$10,000 to $49,999.99	1.25%	$10,000 to $49,999.99	1.55%
$50,000 to $99,999.99	1.45%	$50,000 to $99,999.99	1.70%
$100,000 or more	1.45%	$100,000 or more	1.70%

8-MONTH SPECIAL	APY*	18-MONTH SPECIAL	APY*
$5,000 to $9,999.99	0.50%	$5,000 to $9,999.99	0.75%
$10,000 to $49,999.99	0.50%	$10,000 to $49,999.99	0.75%
$50,000 to $99,999.99	0.50%	$50,000 to $99,999.99	0.75%
$100,000 or more	0.50%	$100,000 or more	0.75%

^{*APY = Annual Percentage Yield. Rates and terms are subject to change. A penalty may be imposed for early withdrawal.}

IRA Savings	APY*	IRA Share Certificates
Roth, Educational & Regular
($100 minimum balance)		12-Month	APY*	24-Month	APY*
$0 to $99.99	0.00%	$1,000 to $9,999.99	0.25%	$1,000 to $9,999.99	0.55%
$100 to $9,999.99	0.05%	$10,000 to $49,999.99	0.35%	$10,000 to $49,999.99	0.65%
$10,000 or more	0.15%	$50,000 to $99,999.99	0.55%	$50,000 to $99,999.99	0.85%
		$100,000 or more	0.55%	$100,000 or more	0.85%

		48-Month	APY*	60-Month	APY*
		$1,000 to $9,999.99	1.10%	$1,000 to $9,999.99	1.45%
		$10,000 to $49,999.99	1.20%	$10,000 to $49,999.99	1.60%
		$50,000 to $99,999.99	1.40%	$50,000 to $99,999.99	1.75%
		$100,000 or more	1.40%	$100,000 or more	1.75%

^{*APY = Annual Percentage Yield. Rates and terms are subject to change. A penalty may be imposed for early withdrawal.}