Rates – Loans – SkyOne Federal Credit Union

Vehicle Type	36 - 48 Months	60 Months	72 Months	84 Months
New & Used Vehicles	5.74% APR*	5.99% APR*	6.49% APR*	6.99% APR*
Vehicle Refinance	4.99% APR*	5.24% APR*	5.99% APR*	6.24% APR*

Auto Loan Rate Disclosures

Auto Loan Disclosures: *APR = Annual Percentage Rate. Published rates are subject to change at any time. Rates, terms and loan amounts are based on your credit worthiness and are subject to approval. The lowest new vehicle rate and lowest used vehicle rate offered will not be lower than what is shown above, inclusive of any applicable rate discounts. The advertised “as low as” APRs includes a 0.25% Auto Pay rate discount and 0.25% direct deposit discount. 0.25% Auto Pay rate discount requires you to set up automatic payments (AutoPay) from your SkyOne Savings or Checking account. If Auto Pay is cancelled at any time during the term of the loan, your rate will increase by 0.25%. 0.25% direct deposit discount: requires you to make at least two (2) ACH deposits of more than $1.00 that total $2,000.00 or more a rolling seventy (70) day period. You have seventy (70) days from the date of this document to establish this direct deposit. Should you not make deposits as described your Annual Percentage Rate will increase by (0.25%). Maximum term at new vehicle rate is 60 months for new and used vehicles; minimum amount financed is $2,500. MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 84 month term would be $210.18. These payment examples are calculated with the assumption that the first payment due date will be 30 days after the date of loan funding.

Maximum Term	New Motorcycles (as low as)	Used Motorcycles (as low as)
48 Months	7.74% APR*	8.24% APR*
72 Months	7.99% APR*	8.49% APR*

Motorcycle Rate Disclosures

Motorcycle Loan Disclosures: *APR: Annual Percentage Rate. Rates are subject to change anytime. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. Advertised rates include a 0.25% Autopay discount and a 0.25% Direct Deposit discount, without rates will be 0.50% higher. The lowest new motorcycle rate and used motorcycle rate offered will not be lower than what is shown above, inclusive of any applicable rate discounts. If the amount financed is $10,000 or less, the maximum term for motorcycles is 72 months. MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 72-month term would be $228.08.

New Toys (as low as)	Used Toys (as low as)	Maximum Term
7.99%*	8.49%*	72 Months
8.24%*	8.74%*	84 Months
9.24%*	9.74%*	120 Months
9.49%*	9.99%*	180 Months

Toy Loan Rate Disclosures

Toy Loan (Airplanes, Boats and RVs) Disclosures: *APR: Annual Percentage Rate. Rates are subject to change anytime. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. Advertised rates include a 0.25% Autopay discount and a 0.25% Direct Deposit discount, without rates will be 0.50% higher. The lowest new toy rate and used toy rate offered will not be lower than what is shown above, inclusive of any applicable rate discounts. If the amount financed is $20,000 or less, the maximum term is for 84 months. MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $40,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 180-month term would be $644.17.

Toy Loan Rates (Dirt Bikes, Jet Skis, Snowmobiles and ATVs) Disclosures: *APR: Annual Percentage Rate. Published rates are subject to change anytime. Rates, terms and loan amounts are based on approved credit and determined by a managed risk program. Advertised rates include a 0.25% Autopay discount and a 0.25% Direct Deposit discount, without rates will be 0.50% higher. The lowest rate offered will not be lower than what is shown above, inclusive of any applicable rate discounts. Dirt Bikes, Jet Skis, Snowmobiles and ATVs are financed as Signature loans. MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 60-month term would be $253.93.