Line of Credit 

Overdraft Line of Credit to $6000	0 - 60 months	0.043836%	16.00%
Line of Credit to $6000	0 - 60 months	0.043836%	16.00%

*The annual percentage rate is based on the value of an index.  The index is the Prime Rate published in the Money Rates column of the Wall Street Journal.  When a range of rates has been published the highest rate will be used. To determine the annual percentage rate that will apply to your account, we will round up to the nearest .125% if rate is not already rounded. Your Annual Percentage Rate Is based on your credit worthiness, loan to value, method of payment and size of loan. Please ask a loan officer for details regarding how your rate was determined.

Personal Loans 

Personal loans are unsecured loans with fixed payments and a fixed payment
schedule. They can be used for debt consolidation, home improvement, or any
other need. Good credit is all you need to qualify for this loan. There's no
need to use your house or other personal assets as collateral to qualify for
this loan."

Unlike other loans, a personal loan is an unsecured loan. Never the less, a
personal loan does have a fixed payment schedule that requires the minimum
payment to be made on time.

Personal Loans

0.026712% -0.049315%

*9.25%  - 18.00%

 *The Annual Percentage Rate (APR) will be the dividend rate being paid on the certificate offered as security (Index) plus a margin of 3%. The certificate must be renewed until the advance is completely repaid. Failure to renew the certificate will result in default under the Plan. When the certificate is renewed the APR will change to reflect the new dividend rate. Any increase or decrease in the APR will result in more or fewer payments of the same amount until what you owe has been repaid. The APR and daily periodic rate will be disclosed on the advance request voucher accompanying the advance.

MINIMUM PAYMENT:  The amount and due date of your payment will be established at the time of each advance.  Your minimum monthly payment will never be less than $35.00.
LATE CHARGE:  The greater of 5% of the payment or $15.00 if the payment is Ten (10) or more days past due.
COLLECTION COSTS:  You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.

 Credit Cards

	ANNUAL PERCENTAGE RATE	Monthly Periodic Rate	Daily Periodic Rate
Standard Master Card	14.64%	1.22%	0.040110%
Platinum Master Card	7.90% to 18.0%	0.658% to 1.50%	0.021644% to 0.040110%
Share Secured Master Card	14.64%	1.22%	0.040110%

CREDIT CARD DISCLOSURES

MINIMUM PAYMENT; Your minimum monthly payment is the greater of 2% the balance outstanding at the end of the billing cycle or $25.00
LATE CHARGE:  You promise to pay a late charge of up to $25.00 on every payment that is over 10 days past due.
OVERLIMIT FEE: none

COLLECTION COSTS:  You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.
OTHER CHARGES:
   (a). $25.00 fee for each return payment or returned ACH.
   (b)  $2.00 fee for each copy of a sales draft or statement
 TELEPHONE AND MAILING ADDRESS INFORMATION:  For all purposes referenced in the Master Card Agreement and Truth in Lending Disclosures call us at (850) 682-2225, or write to the credit union at:  Okaloosa County Teachers Federal Credit Union 1126 N Ferdon Blvd. Crestview, FL. 32536