Peronal Loan Rates effective as of 11/1/2008

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

Loan Type	Term	APR*
Personal Loans	Up to 60 Months**	as low as 11.75%

Loan Type	Term	APR*
50% Share Secured	Up to 36 Months	as low as 9.50%
Share Secured Line of Credit	Open end	as low as 6.50%
Certificate Secured Line of Credit	Open end	Varies
Prime Credit Line of Credit	Open end	as low as 7.00%
Ready Credit Line of Credit	Open end	as low as 10.5%
Overdraft Line of Credit	Open end	as low as 11.75%

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.  

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

**Extended terms apply only if value and loan amount exceeds $15,000

All rates subject to change.