CD Federal Credit Union

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Certificates | Share & Savings | Loans | Real Estate

Loans

CD Federal would like to meet your lending needs in any way possible.

For more information and to find out about other loan options, please call 925-825-0900.

Rates Effective as of 4/05/08.

Or, click here to download a loan application.

VEHICLE, MOTORCYCLE, RV & BOAT LOAN RATES
Loan Type	Term	APR
New Auto/Truck/Van/Motorcycle		115% MSRP
Current/Previous year model
$500 - $19,999	up to 36 Months	5.75%
$500 - $19,999	37 to 60 Months	5.99%
$20,000 - $24,999	61 to 72 Months	6.49%
$25,000 - $74,999	73 to 84 Months	6.99%
$75,000 - $99,999	85 to 120 Months	7.49%

New RV/Motor Home/Boat/Campers		115% MSRP
Current/Previous year model
$500 - $19,999	up to 60 Months	6.99%
$20,000 - $24,999	61 to 72 Months	7.49%
$25,000 - $74,999	73 to 84 Months	7.99%
$75,000 - $99,999	85 to 120 Months	8.49%

New RV Equipment/ Jet Ski Snowmobile/Scooter/ATV		105% MSRP
Current/Previous year model
$500 - $9,999	up to 48 Months	7.99%
$10,000 - $50,000	49 to 60 Months	8.49%

Used Auto/Truck/Van/Motorcycle		105% Value
Maximum 8 model years
$500 - $19,999	up to 36 Months	5.99%
$500 - $19,999	37 to 60 Months	6.25%
$20,000 - $24,999	61 to 72 Months	6.75%
$25,000 - $100,000	73 to 84 Months	7.25%

Older Auto/Truck/Van/Motorcycle		95% Value
Maximum 20 model years
$500 - $9,999	up to 36 Months	6.99%
$10,000 - $50,000	37 to 48 Months	7.49%

Used RV/Motor Home/Boat/Campers		105% Value
Maximum 8 model years
$500 - $19,999	up to 60 Months	7.99%
$20,000 - $24,999	61 to 72 Months	8.49%
$25,000 - $74,999	73 to 84 Months	8.99%
$75,000 - $100,000	85 to 120 Months	9.49%

Used RV Equipment/ Jet Ski Snowmobile/Scooter/ATV		105% MSRP
Maximum 8 model years
$500 - $9,999	up to 48 Months	8.49%
$10,000 - $50,000	49 to 60 Months	8.99%

Rates and terms subject to change without notice.

APR=Annual Percentage Rate. Rates & Manufacturer's Suggested Retail Price (MSRP) listed reflect Tier "A" pricing without preferred rate reductions. Actual rates are based on Member's individual creditworthiness. Please ask us for the rate that you qualify for. Refer to the Loanliner Addendum.

Preferred Rate Reduction available for Consumer Loans only (excluding VISA, Share and Certificate Secured Loans).

Preferred Rate: A rate reduction of .25% will be given to members for each service below up to a maximum of .50%:

Direct Deposit or Payroll Deductions with automatic payment of CDFCU loan;

CDFCU Checking account with minimum balance of $100;

$10,000 or more in a share certificate at CDFCU;

CDFCU VISA Credit Card with a minimum limit of $500.

SIGNATURE, SHARE & CD SECURED LOANS
Loan Type	Max Term	Limit	Annual Interest Rate
Overdraft Line of Credit	18 Months		15.00% APR
Signature Loans
$250 - $1,500	Up to 12 Months		12.50% APR
$1,501 - $3,000	13-24 Months		13.50% APR
$3,001 - $5,000	25-36 Months	$3,000 Min.	14.50% APR
$5,001 - $25,000	37-60 Months	$5,000 Min.	14.90% APR
Share Secured	60 Months		4.00% APR above Share Rate
Certificate Secured	60 Months		3.00% APR above CD Rate

APR=Annual Percentage Rate. Rates listed reflect Tier "A" pricing without preferred rate reductions. Actual rates are based on Member's individual creditworthiness. Please ask us for the rate that you qualify for. Refer to the Loanliner Addendum.

Preferred Rate Reduction available for Consumer Loans only (excluding VISA, Share and Certificate Secured Loans).

Preferred Rate: A rate reduction of .25% will be given to members for each service below up to a maximum of .50%:

Direct Deposit or Payroll Deductions with automatic payment of CDFCU loan;

CDFCU Checking account with minimum balance of $100;

$10,000 or more in a share certificate at CDFCU;

CDFCU VISA Credit Card with a minimum limit of $500.

VISA^® CREDIT CARDS
Card Type	Term	Minimum Payment	Annual Interest Rate
Classic	Line of Credit (LOC)	3% of Balance	12.90%
Credit Builder	LOC	3% of Balance	17.90%
College/Student	LOC	3% of Balance	17.90%
Platinum	LOC	3% of Balance	9.90%
Equity	LOC	3% of Balance	10.00%

Click here to download a Credit Card Agreement.

VISA^® Disclosure
	VISA Classic & Share Secured	VISA Credit Builder & Student/College	VISA Platinum
Annual Percentage Rate (APR) for purchases	12.9%	17.9%	As low as 9.9%
Annual Percentage Rate (APR) for balance transfers	12.9%	17.9%	As low as 9.9%
Annual Percentage Rate (APR) for cash advances	12.9%	17.9%	As low as 9.9%
Grace Period for repayment of balances for purchases	25 Days	25 Days	25 Days
Method of Computing Balance for Purchases (1)	Average Daily Balance (Including new purchases)	Average Daily Balance (Including new purchases)	Average Daily Balance (Including new purchases)
Annual Fee	NONE	NONE	NONE
Minimum Finance Charge	NONE	NONE	NONE
Balance Transfer Fees	NONE	NONE	NONE
Late Payment Fee	$15.00	$15.00	$15.00
Returned Check Fee	$25.00	$25.00	$25.00
Over-the-Credit-Limit Fee	$10.00	$10.00	$10.00
Cash Advance Fee(including convenience checks)	NONE	NONE	NONE

The information about the costs of the card described above is accurate as of 4/2007. This information may have changed after that date. To find out what may have changed, contact the credit union.

(1) The minimum payment is 3% of your total new balance, or $25, whichever is greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit.