Effective 10/1/2007
Rates and terms are subject to change without notice

Unsecured Personal Loans – Max amt $15,000

Payment Schedule      Annual Percentage Rate (from)    Annual Percentage Rate (to)
   up to 60 mos             7.20%                                         13.20%

Secured Vehicle Loans – Max amt $45,000

Payment Schedule      Annual Percentage Rate (from)    Annual Percentage Rate (to)
   up to 84 mos             6.70%                                         11.20%

Overdraft Line of Credit – Max amt $5,000

Payment Schedule      Annual Percentage Rate 
   60 mos                      14.90%

Revolving Line of Credit – Max amt $15,000

Payment Schedule      Annual Percentage Rate
   60 mos                      14.90%

Note: Our existing Visa Card program at 7.9% is suspended until further notice. San Francisco Bay Area Educator’s Credit Union is working to create new Visa services, including a ‘Platinum’ program. For additional information please contact us at 415.664.4313.