With Maximum Loan Rate Discounts
Term	Annual Percentage Rate
12 Months or Less	7.99%
13 to 24 Months	8.99%
25 to 36 Months	9.99%

Without Maximum Loan Rate Discounts
Term	Annual Percentage Rate
12 Months or Less	8.99%
13 to 24 Months	9.99%
25 to 36 Months	10.99%

Higher rates may apply on applications with higher indications of credit risk. Creighton Federal reserves the right to adjust rates based on applicant credit history and credit score.

With only your signature, loans are available for a wide variety of purposes including personal computer, vacations, medical bills, major appliances and furnishings, bill consolidation and other needs.

Apply online or pick up a loan application at any Creighton Federal office, or call Ron at 402-341-2121 and one will be faxed or mailed to you. A loan calculator is available to help you compute your monthly payments.

Disclosures
CLOSED-END CREDIT THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT CREIGHTON FEDERAL CREDIT UNION’S CLOSED END-CREDIT LOANS. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.Terms Subject to Change. The rates contained herein are for illustration purposes only. The terms described in this disclosure are subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed (other than the annual percentage rate) and you decide, as a result, not to obtain a loan from us, you would be entitled to a refund of any fees that you paid in connection with your application. Terms of Repayment. Interest rates for closed end credit are fixed. For example, the following repayment terms would apply: For Closed Ended Fixed Rate Unsecured Loans, Fixed Rate of 8.99%-12 monthly payments of $87.47 per $1000 borrowed, or 9.99%-24 monthly payments of $46.15 per $1000 borrowed, or 10.99%-36 monthly payments of $32.74 per $1000 borrowed.