How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your

account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account

Agreement.

Interest Rates and Interest Charges

Annual Percentage

Rate (APR) for

Purchases

9.90% Preferred Platinum Credit Card

11.90% Platinum Credit Card

15.90% Classic Credit Card

16.90% Classic Credit Card Share Secured

17.90% Mission Choice Credit Card APR for Cash

Advances, Balance

Transfers and

Convenience Checks

11.90% Preferred Platinum Credit Card

13.90% Platinum Credit Card

17.90% Classic Credit Card

17.90% Classic Credit Card Share Secured

17.90% Mission Choice Credit Card

How to Avoid Paying

Interest on Purchases

Your due date is at least 21 days after the close of each billing cycle. We will not charge interest on

purchases if you pay your entire balance by the due date of each month.

For Credit Card Tips

from the Consumer

Financial Protection

Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the

Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

Fees

Annual Fee None Classic Credit Card, Platinum Credit Card, Preferred Platinum Credit Card and

Classic Credit Card Share Secured

$20 Mission Choice Credit Card

Transaction Fees

Cash Advance, Balance

Transfer and Convenience

Checks

Foreign Transaction

2% of the amount of each item ($2 minimum)

1% of the amount of the purchase or cash advance in U.S. dollars

Penalty Fees

Late Payment

Returned Payment

Up to $25 for the first late payment in any 6 month period

Up to $35 for each additional late payment in the same 6 month period

$22

CREDIT CARD RATES 11/1/2013

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Switch to a Credit Card that adds value for you. Ask for details!

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VEHICLE LOAN RATES 11/1/2013

858.524.2850 or 800.500.6328 | MissionFed.com

PROMOTIONAL RATES AUTO, TRUCK, VAN

APRs as low as Term in Months Model Year Minimum Loan Amount

1.89%* Up to 72 2006 and newer $12,000

*Rates and terms available on purchase, lease buyout or refinance of non-Mission Fed auto loan only. This rate offer is good on loan amounts of $12,000 to $50,000. At a rate of 1.89% APR, your estimated monthly payment for 72 months would be $14.71 for each $1,000 borrowed. First payment may be deferred up to 90 days for qualified members. Interest will accrue during the deferment period and may result in a balloon payment. Restrictions may apply. The minimum monthly loan payment is $100. Offer ends December 31, 2013. 10/13

AUTO, TRUCK, VAN

APRs as low as Term in Months Model Year Minimum Loan Amount

3.79% 36 – 72 2011 and newer $12,000 for 72 months

4.29% 36 – 72 2004 – 2010 $12,000 for 72 months

4.29% 73 – 84 2011 and newer $30,000

7.99% 36 – 60 2003 and older Varies

Financing up to 100% is based on Retail Kelley Blue Book for used vehicles, MSRP for new vehicles and is subject to approval.

BOAT, RV

APRs as low as Term in Months Model Year Financing is for 15 model years old and newer. $12,000 minimum loan amount for 72 month term, $30,000 minimum for 73-84 month term, $75,000 minimum for 85-144 month term. Up to 90% financing is based on Retail Kelley Blue Book or Retail NADA for used RVs, MSRP for new RVs, and is subject to approval. Boats will require a Marine Survey.

8.25% Up to 144 New 8.75% Up to 144 Used

MOTORCYCLE

APRs as low as Term in Months Model Year Up to 80% financing is based on Retail NADA for used motorcycles, MSRP for new motorcycles and is subject to approval.

10.99% Up to 60 New/Used

RECREATION SPORT VEHICLE

APRs as low as Term in Months Model Year Up to 80% financing is based on Retail NADA for used vehicles, MSRP for new vehicles and is subject to approval.

10.24% Up to 48 New/Used APR =Annual Percentage Rate and may vary based on credit qualifications. All vehicle loans require a minimum monthly payment of $100. Loan amounts and terms based on age, mileage and condition of vehicle. Programs, rates, terms, conditions and services are subject to change without notice.

Time for a new autumn-mobile? Fall in love with an Auto Loan that works for you.

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Rate Type Term APR as low as

Fixed up to 48 months 13.50%

OTHER CONSUMER LOAN RATES 11/18/2013

LINE OF CREDIT

Rate Type APR

Variable* 13.50%

Rate Type Term APR as low as

Fixed up to 60 months 4.00% over the dividend savings rate

Rate Type Term APR as low as

Fixed Not to exceed the certificate maturity date 3.00% over the certificate rate

*Variable Rate Disclosures: The Annual Percentage Rate may increase or decrease if the highest rate of interest identified as the 'Prime Rate' in the 'Money Rates' column of the Wall Street Journal increases or decreases. The Annual Percentage Rate will be equal to the Prime Rate plus a margin of 5% and then rounded to the nearest 0.125%. An increase will take effect on the first day of January, April, June and October. The Annual Percentage Rate will never be more than the maximum rate allowed by applicable law or fall below 13.50%.

Prime Rate (as of printing): 3.25%

Ready to save the smart way? We have a variety of loans to meet your needs.

This is not an application for credit. Rates are for Mission Federal Credit Union informational purposes only. Rates are calculated based on financial status, credit history, loan terms, and relationship with Mission Federal Credit Union.

APR =Annual Percentage Rate and may vary based on credit qualifications.

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CERTIFICATE SECURED

SHARE SECURED

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