Topeka Police Credit Union

LOANS DISCLOSURE POLICY FOR NEW LOANS ONLY EFFECTIVE MAY 28, 2008
Interest Rates are determined by the purpose of the loan request

Loans Secured by Shares						5.00%	Length of Loan
Loans Secured by Share Certificates						5.50%	to be determined

2nd Mortgage Loans:
5 Year Term	5.00%
7 Year Term	5.50%
10 Year Term	6.00%
15 Year Term	6.50%

New and Used Cars, Trucks, Motorcycles, Boats:
		Up to 60 Months			To 72 Months
2008 and 2007		6.25% or 8.25%			6.75% or 8.75%
2006 and 2005		7.00% or 9.00%			7.50% or 9.50%
2004 and 2003		7.75% or 9.75%			8.25% or 10.25%
2002 and Older		8.50% or 10.50%			9.00% or 11.00%
Interest Rate based on Credit Bureau Report, Credit Bureau Score, and Credit Union History
$0	to	$5,000	36 Months
$5,001	to	$10,000	48 Months
$10,001	to	$15,000	60 Months
$15,001	and	Above	72 Months

New and Used Motor Homes, Recreational Veh.:
		Up to 60 Months		Up To 96 Months			To 144 Months
2008 and 2007		6.25% or 8.25%		6.75% or 8.75%			7.25% or 9.25%
2006 and 2005		7.00% or 9.00%		7.50% or 9.50%			8.00% or 10.00%
2004 and 2003		7.75% or 9.75%		8.25% or 10.25%			8.75% or 10.75%
2002 and Older		8.50% or 10.50%		9.00% or 11.00%			9.50% or 11.50%
Interest Rate based on Credit Bureau Report, Credit Bureau Score, and Credit Union History
$0	to	$10,000		48 Months
$10,001	to	$20,000		60 Months
$20,001	to	$30,000		96 Months
$30,001	to	$45,000		144 Months


New and Used Lawn Equipment, Small Watercraft, Non-Highway Vehicles, Tractors:
		Up to 24 Months		To 36 Months			To 48 Months
2008 to 2005		6.75% or 8.75%		7.25% or 9.25%			7.75% or 9.75%
2004 to 1999		7.25% or 9.25%		7.75% or 9.75%			8.25% or 10.25%
1998 and Older		7.75% or 9.75%		8.25% or 10.25%			8.75% or 10.75%
Interest Rate based on Credit Bureau Report, Credit Bureau Score, and Credit Union History
$0	to	$2,500		24 Months
$2,501	to	$5,000		36 Months
$5,001	and	Above		48 Months

Unsecured Loans:

High Credit	10.75%				Up to	$4,000
Mid Credit	12.75%				Up to	$2,000
Low Credit	14.75%				Up to	$0	Suspended Temporarily
Interest Rate based on Credit Bureau Report, Credit Bureau Score, and Credit Union History
1st year of membership up to					Up to	$2,500
Past the 1st year					Up to	$5,000

All other Loans Secured with Proper Collateral
	10.75% or 12.75%				Up to	48 Months
Interest Rate based on Credit Bureau Report, Credit Bureau Score, and Credit Union History
Board of Directors May 28, 2008