Ent: Loan Rates

P.O. Box 15819
Colorado Springs, CO 80935-5819
(719) 574-1100 (800) 525-9623

Loan Rates Effective Date: 9/8/2010

Product	Term	APR**
Mortgage Freedom Loan	120 months	4.25%
Home Equity Loan	60 months	3.75%-5.25%
Home Equity Loan	61-120 months	4.84%-6.34%
Home Equity Loan	121-180 months	5.74% - 7.24%
Home Equity Line of Credit (Variable Rate)	240 months	3.75%-6.00%
Home Equity Line of Credit	240 months	4.75% - 7.25%
Vehicles - 2009 and newer	60 Months	3.74%-13.75%
Vehicles - 2009 and newer	72 Months	4.24%- 14.25%
Vehicles - 2009 and newer	84 months	5.24%-15.25%
Vehicles - 2003 through 2008	60 Months	4.24%-13.75%
Vehicles - 2005 through 2008	72 months	5.24%-14.75%
Vehicles - 2000 through 2002	48 Months	6.24%-15.75%
Vehicles - Classic	48 Months	6.74%-16.25%
Motorcycles - New	60 Months	7.99% - 18.00%
Motorcycles - Used	48 Months	7.99% - 18.00%
Motor Homes	72 - 144 Months	7.99% - 18.00%
Travel Trailers	72-144 months	7.99% - 18.00%
Campers - New & Used - $20,000 or less	60 Months	7.99% - 18.00%
Campers - New & Used - $20,001 or greater	84 Months	7.99% - 18.00%
Boats	72-144 months	7.99% - 18.00%
Mobile Homes	144 Months	12.86% - 18.00%
Personal Loans $1,000 - $4,999	36 months	12.25% - 18.00%
Personal Loans $5,000 - $15,000	48 months	12.25% - 18.00%
Line of Credit	Revolving	13.00%
Savings-Secured Loans - Share	Maximum term 60 months	2.00% above share rate
Savings-Secured Loans - Certificate	Maximum term 60 months	2.00% above cert. rate

**APR - Annual Percentage Rate. LTV - Loan-to-Value.
Rates are subject to change without notice. Rate and term are dependent upon credit qualifications and/or amount financed. Home equity or real estate secured loans are limited to properties located in the State of Colorado. All loans subject to final credit approval. Rates listed are the lowest and highest APRs available. Your actual rate is based on previous credit performance. Lowest rate shown is for well-qualified borrowers and includes automatic payment discount, if applicable. Consult your tax advisor concerning the deductibility of interest.
Savings secured loans can only be collateralized by Primary Share Savings or Certificate accounts (excluding IRAs.) Certificates must be renewed until the loan is paid. Change in certificate dividend rate will result in a higher APR and payment. Minimum interest rate on savings secured loans is 5.00%, with a minimum loan amount of $500.

Please reference "Important Loan Information" for more information on loan qualifications and examples. For Additional Rate Information, please call (719) 574-1100 or 800-525-9623.