Vehicle Loan Rates effective as of 11/1/2008

Annual Percentage Rates (APR) as low as...

Loan Type	Available Term	APR*
New Vehicles: 2008 - 2009	Up to 72 Months**	as low as 4.99%
Used Vehicles: 2002 - 2008	Up to 72 Months**	as low as 5.24%
Used Vehicles: 2001 and older	Up to 63 Months**	as low as 8.24%
Auto Tax Advantage Loans	Up to 72 Months**	Same rates as above
Recreational Vehicle	60 Months Amortized 15 years	as low as 7.74%

Special Discounts! 

• Illini Advantage PLUS Checking Members get a .25% discount on loans other than real estate, VISA, and credit lines.
• Receive an additional .25% discount for Payroll Deduction or other pre-authorized transfer on loans other than real estate, VISA, and credit lines.
• Additional discounts for vehicle loans with value and loan amount over $30,000. Please ask for details!

**Vehicle value must be greater than $15,000 in order to qualify for 72 month financing. If the vehicle value is less than $6,000 Personal Loan Rates apply. If vehicle financing is more than 100% .25% APR will be added to qualifying loan rate. All rates subject to change.

*The ANNUAL PERCENTAGE RATE (APR) you receive for the above loan types may vary based on individual credit history, loan term and applicable discounts. All loans subject to credit approval.