HealthEast Employees Credit Union

		Calculate A Payment
Loan Rates (Effective 4/1/08)		Debt Consolidation Calculator

Auto:	as low as	Term
New Autos (2007-2009)	4.49% APR for 48 mo.	Up to 72 mo.
Used Autos (2003-2006)	4.49% APR for 36 mo.	Up to 60 mo.
Used Autos (2002-older)	4.99% APR for 24 mo.	Up to 48 mo.

R/V, Motorcycle and Camper (Wholesale)
Newer Titled Personal Vehicles (2003-2008)	as low as 5.75 APR for 48 mo.	Up to 72 mo.

Older Titled Personal Vehicles (2002-older)	as low as 6.00% APR for 36 mo.	Up to 60 mo.

R/V, Motorcycle and Camper (Retail)
Newer Titled Personal Vehicles (2003-2008)	as low as 6.25% APR for 48 mo.	Up to 72 mo.

Older Titled Personal Vehicles (2002-older)	as low as 6.50% APR for 36 mo.	Up to 60 mo.

Signature Loan	as low as 10.50% APR	Up to 36 mo.

Ready Reserve line of credit	12.00% APR

Share Secured	Dividend rate + 3%	Up to 36 mo.

Certificate Secured	Dividend rate + 3%	Certificate term

Home Equity:
Fixed Rate
80% LTV	5.75% APR	5-Year Fixed
80% LTV	6.25% APR	10-Year Fixed

90% LTV	6.25% APR	5-Year Fixed
90% LTV	7.00% APR	10-Year Fixed

6-Month T-Bill Rate
80% LTV	7.25% APR	15-Year Variable
90% LTV	7.75% APR	15-Year Variable

Prime Rate
80% LTV	5.25% APR	15-Year Variable
90% LTV	6.25% APR	15-Year Variable

Variable Rate (15 yr. term)
80 % LTV	Prime + 0.00
90 % LTV	Prime + 1.00%

*All loans are subject to normal credit approval. Loan rates disclosed are the lowest available, subject to type of loan, credit history and automatic payment. Other conditions may apply.

**Consult you tax advisor about the tax deductibility of interest paid on our home equity products.

***Rate current as of January 2, 2008 and are subject to change without notice.

MIDWAY:
1700 University Ave | St. Paul, MN 55104
ph. 651.232.5600 | fx. 651.232.5629

ST. JOSEPH’S:
69 West Exchange St. | St. Paul, MN 55102
ph. 651.232.3600 | fx. 651.232.4419

ST. JOHN’S:
1575 Beam Ave. | Maplewood, MN 55109
ph. 651.232.7600 | fx. 651.232.6601