GSA Federal Credit Union

	Savings Rates	Loan Rates	Schedule of Fees

Loan Rates

Effective November, 2009

Loan Type	Lowest Rate APR*
Home Equity	5.25% - 8.00% (Based on Credit Score and Loan-to-Value)
Second Trust	4.99% - 11.00% (Based on Credit Score and Loan-to-Value)
Unsecured (Signature)	8.49% - 18.00% (Based on Credit Score)
Visa Platinum (variable rate)	7.00%
Visa Classic	11.88% - 15.00%
Overdraft Protection	15.00 %
Certificate Secured	Certificate Rate + 3.00%
Share Secured	Share Rate + 3.00%
Vehicle 24 Months (New/Used)	3.79% - 17.15% (Based on Credit Score)
Vehicle 36 Months (New/Used)	3.79% - 17.60% (Based on Credit Score)
Vehicle 48 Months (New/Used)	3.79% - 18.00% (Based on Credit Score)
Vehicle 60 Months (New)	3.79% - 18.00% (Based on Credit Score)
Vehicle 72 Months (New)	4.24% - 7.69% (Based on Credit Score)

*APR = Annual Percentage Rate

Rates are subject to change without notice.

Actual rates may vary based on credit score of individual applicants.
Add 1.50% for used automobiles over 2 model years old without an extended warranty.

These rates apply to loans repaid with direct deposit. If a loan is repaid without direct deposit, the next higher rate will apply.

Home Equity lines of credit have an annual percentage rate floor of 5.25%

Visa platinum credit cards have an annual percentage rate floor of 7.00% and an annual percentage rate cap of 10.90%