Current loan promotions or qualifying discounts may affect the rates listed below. It pays to compare! Visit your credit union first and discuss your available options with one of our loan officers before you borrow elsewhere. We may be able to save you hundreds of dollars over the life of your loan.

• For current loan specials, please click here.

Loan Type	Annual Percentage Rate	Comments/Explanation
Personal (1,3)	11.00%* - 18.00%*	Less than $5,000
	10.50%* - 18.00%*	$5,000 or more
Overdraft Protection (1)	12.25% - 17.50%
Share or Certificate Secured	4% above highest share dividend or 3% above certificate rate at time of approval (rounded up to the nearest .25%)
Stock Secured	13.00%	36 months
Computer Loan (1)	9.15% - 12.40%	All terms
Cars and Trucks (1,3)	Rate	Term	Model Year
	3.25%* - 7.75*	Up to 48 months	2009, 2010, 2011
	3.50* - 8.00*	49-72 months	2009, 2010, 2011
	4.50%* - 9.00%*	Up to 36 months	'06, '07, '08
	4.75%* - 9.25%*	37-48 months	'06, '07, '08
	5.25%* - 9.50%*	49-72 months	2008
	5.25%* - 9.50%*	49-72 months	2007
	5.25%* - 9.50%*	49-60 months	2006
	5.25%* - 9.50%*	Up to 48 months	2005 and older
Recreational Vehicles	For current RV rates, please contact Entrust FCU at 804-353-8012 or loans@entrustfcu.com.
Motorcycles (1)	Rate	Term	Model Year
	7.25% - 11.50%	Up to 48 months	2009, 2010, 2011
	7.75% - 12.00%	49-72 months (3)	2009, 2010, 2011
	7.75% - 12.00%	Up to 36 months	2006, 2007, 2008
	8.25% - 12.50%	37-48 months	2006, 2007, 2008
	8.75% - 13.00%	49-60 months	2006, 2007, 2008
	9.25% - 13.50%	48 months	2005 and older
Other Vehicles - New (1)	14.75% - 18.00%	60 months
Other Vehicles - Used (1)	15.75% - 18.00%	48 months
Visa Classic or Secured (1)	9.5% - 18.0%%	No annual fee, rate based on individual credit qualifications
Visa REWARDS Platinum (1)	8.9% - 18.0%	$25 annual fee, rate based on individual credit qualifications
Student Visa	10.5%	No annual fee
Business Loans	Contact Loan Dept.	Contact Loan Dept.
Home Equity Line of Credit	Prime + 0%, Prime + .50% or Prime + 1%	Variable rate; changes quarterly
Home Equity Closed-End Loan (1)	5.50%-7.00%	Up to 5-year term
	5.75%-7.25%	5- to 10-year term
	6.00%-7.50%	10- to 15-year term
Premier Credit Lines	Prime + 2.0-2.5%	Variable rate; changes monthly
First Mortgage Loans	Changes daily	Click here for rates
Government Student Loans	Varies by type	Federal Stafford or PLUS loans for parents; call for current rates

*Quoted rate based on current promotion.

1	Rates and terms are based on individual credit qualifications
2	For 72 month financing, loan must be greater than $12,000.
3	Relationship Pricing Program: Member must have 2 of 3 of the following accounts to qualify: Checking, Credit Card or Certificate. All accounts must be in good standing and open at time of application. Accounts must be in the member's name and number. Corporate or Business accounts do not qualify.