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LINE OF CREDIT

All rates are accurate as of: 11-7-2009 and are subject to change at any time.

Maximum Loan Amount

Annual Percentage
Rate "as low as"*

Type

up to $15,000

14.75%

Fixed

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*Loan rates are based on your credit quality. Yours may be different. Rates subject to change. Rates shown represent the Platinum Level of membership participation. For information or account disclosures, please call our Member Service Center. Maximum unsecured credit is $15,000.

For any loan NOT ON PAYMENT TRANSFER from an existing SCCU account OR DIRECT PAYROLL DEPOSIT, one quarter of one percent (.25%) will be added to the approved rate.

MEDICAL SERVICES/SIGNATURE LOAN
Maximum Loan Amount $15,000.00

All rates are accurate as of: 11-7-2009 and are subject to change at any time.

Payment Period

Annual Percentage
Rate "as low as*"

Type

Up to 60 months

11.50%

Fixed

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Be sure to inquire about the 60-day deferred payment option!

*Loan rates are based on your credit quality. Yours may be different. Rates subject to change. Rates shown represent the Platinum Level of membership participation. For information or account disclosures, please call our Member Service Center.

For any loan NOT ON PAYMENT TRANSFER from an existing SCCU account OR DIRECT PAYROLL DEPOSIT, one quarter of one percent, (.25%), will be added to the approved rate.

SIGNATURE LOAN

All rates are accurate as of: 11-7-2009 and are subject to change at any time.

Payment Period

Annual Percentage
Rate "as low as"*

Type

12 - 60 months

12.50%

Fixed

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*Loan rates are based on your credit quality. Yours may be different. Rates subject to change without prior notice. Credit criteria applies; Maximum unsecured credit is $15,000. Maximum loan amount is two times your gross monthly income.

SECURED/CD SECURED LOAN

All rates are accurate as of: 11-7-2009 and are subject to change at any time.

Payment Period

Annual Percentage
Rate "as low as"*

Type

Secured

Up to 120 Months

Rate + 3.0% *

Variable

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CD Secured

Not to exceed
Maturity Date of CD

Certificate Rate + 2%

Fixed

*Your Member Shares-Secured Sub-Account is a variable rate Sub-Account. The ANNUAL PERCENTAGE RATE (APR) on the Member Shares-Secured Sub-Account is subject to change quarterly based upon changes in the highest dividend rate paid on the credit union share (deposit) accounts (the "Share Rate"). The daily periodic rate on this Sub-Account will equal 1/365th of the APR. The APR in a given calendar quarter will equal 3% above the highest Share Rate in effect for that quarter. The APR for each quarter will go into effect on the sixth day of January, April, July, and October, and will stay in effect until the credit union changes the Share Rate. Your Finance Charge for every $1.00 in your daily balance, will increase if the Share Rate rises and will decrease if the Share Rate falls. For example, a change in the Share Rate of one percentage point will result in a one percentage point change in the same direction in your APR, with a corresponding change in your daily periodic rate. The effect of an increase in the ANNUAL PERCENTAGE RATE (APR) will be higher payments or a longer term.

For any loan NOT ON PAYMENT TRANSFER from an existing SCCU account OR DIRECT PAYROLL DEPOSIT, one quarter of one percent (.25%) will be added to the approved rate.

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Corporate Headquarters: Space Coast Credit Union 8045 N. Wickham Road Melbourne, Florida 32940
PH: 321.752.2222 • TF: 800.447.7228