Vehicle Loan Rates All rates are expressed as ANNUAL PERCENTAGE RATES. Rates are subject to change without notice. Loan rates as low as those listed below are effective Wednesday, July 23, 2008    2006 - 2008*  Vehicles  Term APR  12-36 Months 6.34%  37-48 Months 6.34%  49-60 Months 6.34%  61-72 Months 6.54%  73-84 Months 7.84%    2003 - 2005  Vehicles  Term APR  12-36 Months 6.79%  37-48 Months 6.79%  49-60 Months 6.79%  61-72 Months 7.34%    2002 and older  Vehicles  Term APR  12-36 Months 8.09%  37-48 Months 8.09%  49-60 Months 8.54% *To be eligible for the 73-84 month term on model year 2006 and newer vehicle purchases, the amount financed can be no more than 125% of the vehicle value as determined by Members 1st and the amount financed must be $20,000 or greater. ** Model years revised on January 2 of each year. ** 80% LTV or less take .25% off loan rate. All rates reflect a .20% reduction for Payroll Deduction / Direct Deposit / Auto Transfer. Your rate may vary from what is listed. Your interest rate will be based on your credit history and current credit report.

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©2007 Members 1st Federal Credit Union Mechanicsburg, Pennsylvania

Equal Opportunity Lender