Rates effective 09/10/2008                                          Loan Application

Consumer Loans Rate Term Payment / $1,000.00
Vehicles (Cars, Trucks, RV's, Motorcycles, Boats with perfected lien)
2005 to 2008 5.25% 36 Months $30.00
 

        5.50%

     48 Months

                      $24.00

  5.75% 60 Months

                      $20.00

    (over $20,000 list) 6.75% 72 Months $17.00
    (over $30,000 list) 7.75% 84 Months $16.00
2000 - 2004 7.25% 48 Months $24.00
Older Models 8.25% 36 Months $32.00
Signature
Up to $5,000 10.99% 24 Months $47.00
$5,000 to $10,000 11.99% 36 Months $34.00
Share Secured
Rates reviewed annually 5.50% 24 Months $44.00
Certificate Secured 
Rates reviewed annually Cert. Rate + 2.00% 24 Months
Overdraft Protection Rate Term Charge
$1,000 Limit 18.00% 2 Months $5.00 per $100.00

The Mortgage Center

Whether you are buying your first home, ready to move to your next home or looking to refinance from another lender, The Mortgage Center has an option for you!

           

         By partnering with Members Mortgage Services, we can give our members
         multiple 1st mortgage products that can meet any borrower's needs.    
       

             The Educated Choice Mortgage Loan  

         Designed specifically for the Educational Community. Low, Competitive
         Interest Rates, Low Closing Costs and your loan STAYS with Emporia State
         Federal Credit Union! 

Call Today to find out our current rates - our experienced loan staff is just ready to serve you!

Rates effective 09/10/08

Real Estate Loans Rate Term Payment / $1,000.00
Equity - 1st or 2nd Mortgage 

$3,000 Min. No add-ons.  Member pays fees

      

 80% Equity

 6.50%

 36 Months

 $31.00

 80% Equity

 7.50%

 60 Months

 $20.00

80% Equity

 8.50%  120 Months $13.00
Equity - 1st or 2nd Mortgage       

$3,000 Min. No add-ons. Member pays fees 

      

 90% Equity

 7.50%

     36 Months

$32.00 

90% Equity

 8.50% 60 Months $21.00

90% Equity

 9.50% 120 Months $13.00
Special 1st Mortgage Program

$35,000 Min.  Member pays fees 

      

97% Equity

 6.75%

 180 Months

 $9.00

97% Equity

 7.25%  240 Months  $8.00
The Educated Choice Mortgage Loan      

 $50,000 Min.  Member pays fees.  

      

 Call for details and current rates.

      
Mobile Homes
New (90% of Equity) 10.50% 180 Months $11.00
Used (80% of Equity) 11.50% 120 Months $14.00

Important Notices

All rates listed are the best qualifying rates. Rates on future advances will be determined by each member's individual creditworthiness at the time of each advance. APR may vary according to creditworthiness.

ALL RATES APPLY TO NEW MONEY ONLY Rates listed are the Annual Percentage Rates (APR).
All interest rates are subject to change without notice. Maximum Term listed.