Personal Loan Rates

Effective as of: April 2, 2012 |

Personal Loans
Share/Certificate Secured Loans
Share or Certificate Rate + 3.0% APR* rounded to the next .25% APR*
Personal Line of Credit
10.00% APR** (variable)
18.00% APR* (fixed)
All Other Personal Loans
Term	Loan Amount	Fixed Rate
36	0 to $4999	Rates between 11.00% and 17.99% APR*†
48	min $5000	Rates between 11.00% and 17.99% APR*†
60	min $7500	Rates between 10.50% and 17.99% APR*†

* APR = Annual Percentage Rate. The credit union offers various fixed and variable rates for loans. The periodic rate and corresponding APR (for fixed rate loans) and the margin that is added to the index (for variable rate loans) may depend on your credit profile, the loan type and other factors. There are no fees to apply for any personal Columbia loan.

**This line of credit rate is variable, based on the Wall Street Journal Western Edition prime rate as of the last day of November, February, May and August, plus a margin of 3.25%. Rates will adjust quarterly on the first calendar day of January, April, July and October and will not be less than 10% nor more than the maximum rate permitted by law.

† Lowest rate available with checking relationship discount. Checking Relationship discount provides a qualifying rate discount of .25% APR for automatic loan payments from Columbia checking. Auto pay can be set up via online banking or through a Columbia representative; excludes payments with online bill pay. Plan excludes lines of credit, credit card, share-secured loans, 1st mortgages, home equity, and business loans.

All Other Personal Loan rates are not variable, may differ by applicant and are based on credit qualifications.

Membership required to borrow.