Type of Loan	Term	Annual Percentage Rate (APR) On Approved Credit (OAC) (take another .25% off with being a rewards’ member) (**take an additional .25% off, on approved credit, for 2001 passenger vehicles and newer with an estimated combined EPA of 26 MPG or higher**)
New: Non-Commercial Auto's Trucks & Vans	Up to 60 months	As Low As 5.25%
	66-72 months	As Low As 5.25%
	78 months	As Low As 5.50%
	84 months	As Low As 5.95%
Used: Non-Commercial Auto's Trucks & Vans	Up to 60 months	As Low As 5.50%
	66-72 months	As Low As 5.50%
	78 months	As Low As 5.75%
	84 months	As Low As 6.20%
New: Motorhomes Travel Trailers Pickup Camper Combo Boats and Trailer Packages	Up to 72 months	As Low As 6.10%
	78-90 months	As Low As 6.35%
	96-114 months	As Low As 6.65%
	120 months	As Low As 7.15%
	126-144 months	As Low As 7.30%
Used: Motorhomes Travel Trailers Pickup Camper Combo Boats and Trailer Packages	Up to 48 months	As Low As 6.35%
	54-66 months	As Low As 6.60%
	72-78 months	As Low As 6.90%
	84-90 months	As Low As 7.40%
	96-120 months	As Low As 7.55%
New: Snowmachines Street Legal Luxury Motorcycles ATVs - Personal Water Craft	Up to 48 months	As Low As 6.25%
	54-66 months	As Low As 6.25%
	72-78 months	As Low As 6.50%
Used: Snowmachines Street Legal Luxury Motorcycles ATVs - Personal Water Craft	Up to 48 months	As Low As 6.50%
	54-66 months	As Low As 6.75%
	72 months	As Low As 7.40%
Other Collateral	Up to 60 months	As Low As 8.99%
Signature Loans	Up to 24 months	As Low As 13.95%
	36 months	As Low As 14.95%
Share Secured/CD Secured Loans	Variable interest rate is 3% over Share Dividend rate.
Visa Platinum	Revolve	As Low As 3.49% over Prime as published in the Wall Street Journal. (with a floor of 8.99%)
Visa Classic	Revolve	12.49% - 18.00% Based on credit worthiness.

Updated 6/6/2008

Up to 100% financing available, some restrictions may apply. Rewards Discount of .25% for using multiple Spirit of Alaska Federal Credit Union products or services may be available. Rates and terms dependent on credit qualifications. Rates are subject to change at any time. Loan processing fee of $25 per borrower will be charged to all closed loans over $2000. Loans under $2000 may have substantially higher APR. Optional credit life and disability insurance and GAP Insurance available.
Contact the Loan Department at (907) 459-5970 for more detail.

Click here to Download Consumer Loans Application Form.