Hershey Federal Credit Union--Local Financial Services...Just For You!

Loan Type	Model Year	Term of Loan	Amount Available	Lowest Available APR/*	Minimum Loan Amount
New Auto Loans	2008	1-24 Months	100% of MSRP,Tax, Title, Tags	4.74%	N/A
	2008	25-36 Months	100% of MSRP,Tax, Title, Tags	4.74%	N/A
	2008	37-48 Months	100% of MSRP,Tax, Title, Tags	4.74%	N/A
	2008	49-60 Months	100% of MSRP,Tax, Title, Tags	4.74%	N/A
	2008	61-72 Months	100% of MSRP,Tax, Title, Tags	5.24%	$25,000+
	2008	73-84 Months	100% of MSRP,Tax, Title, Tags	5.49%	$30,000+

Used Auto Loans	2004-2007	1-24 Months	100% LTV of NADA	4.74%	N/A
	2004-2007	25-36 Months	100% LTV of NADA	4.74%	N/A
	2004-2007	37-48 Months	100% LTV of NADA	4.74%	N/A
	2004-2007	49-60 Months	100% LTV of NADA	4.74%	N/A
	1999-2003	up to 24 Months	100% LTV of NADA	4.74%	N/A
	1999-2003	25-60 Months	100% LTV of NADA	4.74%	N/A
	1998 and older	up to 24 Months	100% LTV of NADA	4.74%	N/A
	1998 and older	25-48 Months	100% LTV of NADA	4.74%	N/A

New Recreation Vehicle	N/A	up to 60 Months	90% LTV of NADA	5.99%	N/A
New Recreation Vehicle	N/A	61-120 Months	90% LTV of NADA	6.99%	N/A

Used Recreation Vehicle	N/A	up to 84 Months	80% LTV of NADA	7.99%	N/A
Used Recreation Vehicle

Real Estate Equity	N/A	up to 60 Months	80% of Appraisal	5.74%	$5,000
	N/A	61-120 Months	80% of Appraisal	6.24%	$5,000
	N/A	121-180 Months	80% of Appraisal	6.74%	$5,000

Real Estate Equity	N/A	up to 60 Months	100% of Appraisal	6.99%	$5,000
	N/A	61-120 Months	100% of Appraisal	7.49%	$5,000
	N/A	121-180 Months	100% of Appraisal	7.99%	$5,000

Real Estate Equity Line-of-Credit	N/A	up to 120 Months	80% of Appraisal	5.00%	$5,000
Real Estate Equity Line-of-Credit	N/A	up to 120 Months	100% of Appraisal	6.25%	$5,000

New Mobile Home	N/A	up to 144 Months	90% of Appraisal	8.74%	N/A
New Mobile Home

Used Mobile Home	N/A	up to 84 Months	90% of Appraisal	9.74%	N/A
Used Mobile Home

	N/A	1-12 Months	Maximum $30,000	8.90%	N/A
Signature Loan	N/A	13-24 Months	Maximum $30,000	9.74%	N/A
	N/A	25-36 Months	Maximum $30,000	9.90%	N/A
	N/A	37-60 Months	Maximum $30,000	10.50%	N/A

Signature Line of Credit	N/A	N/A	Maximum $30,000	9.00%	N/A
Signature Line of Credit

HFCU Visa® Card	N/A	2% of Balance	Maximum $30,000	8.90%-15.90%	N/A
HFCU Visa® Card

Share Secured Loan	N/A	N/A	Per Share Balance	Term CD + 2%	N/A
Share Secured Loan

Rates and terms effective 2/21/08.

*This rate reflects the additional .25% discount on all loans with an automated payment from an active HFCU Share Draft Account or Regular Share Account.
Rates and types may change without notice.
**All rates stated are annual percentage rate (A.P.R.) and are the best rates available.
Actual rates are based on credit worthiness of applicants and may vary from those shown.