Auto Loan Rates

Effective as of: April 2, 2011 |

Vehicle Loans
New Vehicle (2013-2009) Vehicle Model & Mileage May Limit Loan Term
Repayment Period	Fixed Rate
24-48	Rates between 2.99% and 13.99% APR*
49-60	Rates between 2.99% and 14.99% APR*
61-72	Rates between 3.49% APR* and 16.99% APR*
73-84	Rates between 4.24% APR* and 16.99% APR*
Used Vehicle (2008-2006)
Repayment Period	Fixed Rate
24-48	Rates between 2.99% APR* and 13.99% APR*
49-60	Rates between 3.49% APR* and 14.99% APR*
61-72	Rates between 3.49% APR* and 16.99% APR*
All Other Secured Loans (2005 and Older Autos, Misc Loans with Collateral)
Repayment Period	Fixed Rate
24-36	Rates between 4.24% APR* and 15.99% APR*
37-48	Rates between 4.99% APR* and 16.99% APR*
over 48	Rates between 5.69% APR* and 16.99% APR*
New and Used Boats, RV's and Motor Homes
Repayment Period	Loan Amount	Fixed Rate
72	$50,000 max	Rates Between 5.74% APR* and 16.99% APR*
96	Min $15K Max $50K	Rates Between 5.84% APR* and 16.99% APR*
120	Min $25K Max $50K	Rates Between 5.94% APR* and 16.99% APR*
144	Min $30K Max $50K	Rates Between 6.04% APR* and 16.99% APR*
180	Min $40K Max $50K	Rates Between 6.24% APR* and 16.99% APR*
All Motorcycles, ATVs
Repayment Period	All Loan Amounts; Fixed Rate
36	Rates Between 6.74% APR* and 17.99% APR*
48	Rates Between 6.99% APR* and 17.99% APR*
60	Rates Between 7.24% APR* and 17.99% APR*
72	Rates Between 7.49% APR* and 17.99% APR*
84	Rates Between 7.74% APR* and 17.99% APR*

*APR=Annual Percentage Rate. Your qualifying rate depends on credit qualifications including value of vehicle, term of loan, year of vehicle, residential status, credit and employment history. Discounts described below reduce your qualifying rate to as low as 2.99% APR.

90 day deferred payment option is based on an evaluation of applicant's credit. 90 day deferred payment options available on 2008 or newer vehicles and on loan amounts $5,000 or more. Interest will continue to accrue during the 90 day deferral period on the unpaid principal. Available for in branch loans only. Limited-time offer and subject to discontinuation at any time without notice.

Discounts:
Checking Relationship Provides a .25% APR discount off your qualifying rate for automatic loan payments from a Columbia checking. Auto pay can be set up through online banking or by a Columbia representative; excludes payments with online bill pay.

E-Go Green Auto Provides a .25% APR or .50% APR discount off your qualifying rate for vehicles designated by the Environmental Protection Agency as SmartWay or SmartWay Elite.
E-Go discounts require free paperless, e-statements.
All discounts subject to a minimum 2.99% APR.

Membership required to borrow. Rates quoted as of the effective date indicated above. Columbia Credit Union may offer other rates in the future.