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Effective March 1, 2004     
New Auto Annual Percentage Rate
24-60 Months
72* Months
3.99%
4.49%

Used Auto (2000-2004) Annual Percentage Rate
24-60 Months 4.99%

   Term Amount  
   Up to 36 months $ 1,500 - $9,999     
   Up to 48 months $ 10,000 - $17,999     
   Up to 60 months $ 18,000+  

Used Auto/Truck (1999 - Older)**
   Term Amount APR
   Up to 36 months $ 1,500 - $9,999 6.00%
   Up to 48 months $ 10,000 - $17,999 6.25%
   Up to 60 months $ 18,000+ 6.50%
Boat APR
   New, 120 months 7.00%
   Used, 120 months 7.50%
Motorcycle
   New, 60 months 8.00%
Camping Trailer
   New, 72 months 7.50%
   Used, 60 months 8.00%
Motor Home
   New, 120 months 7.50%
   Used, 120 months 8.00%

Click here for sample payment schedule.

Rates are current as of Effective Date, and are subject to change.

All IBM Southeast EFCU Auto Loans are subject to income verification and credit approval. Please refer to Your Loan Disclosures or contact a Loan Representative for full details on rates, terms, fees and conditions.

*72 month new car loan, $25,000 minimum loan amount.
**Used Vehicles 1999 or older will be reviewed by a Loan Officer.

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