APR: Annual Percentage Rate

DISCOUNTED RATE*: The rates quoted below assume direct deposit into your STAR account, automatic payment from a checking account here at STAR or via payroll deduction. A rate increase of 0.25% will be given for any payment not made by payroll deduction or automatic payment from a checking account at the credit union, and for not setting up direct deposit into your STAR account. If payroll deduction or automatic payment or direct deposit is discontinued, the APR will increase to the current qualified rate and any increase in the rate will result in more payments of the same amount until what you owe has been repaid. Your Annual Percentage Rate may vary depending on your creditworthiness, loan term and loan-to-value ratio. Discounts for automatic payment may not apply to 'Promotions' and loan 'Specials'. Please ask a loan officer for details regarding how your rate is determined.

MINIMUM PAYMENT: The amount and due date of your payment will be established at the time of each advance.

SHARE SECURED: The APR for share secured advances will be a margin of 4.00% above the savings account rate.  If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR. The rates are subject to change on the first day of each month to reflect any change in the index. Any increase in the APR will take the form of higher payments until what you owe has been repaid.

CERTIFICATE SECURED: The APR will be dividend rate being paid on the certificate offered as security (index) plus the percentage shown in the APR column below. The APR will be disclosed on the Disbursement Receipt at the time of the advance.

LATE CHARGES: If you are more than 10 days late in making your payment, you will be assessed a late charge.

COLLECTION COSTS: You understand that in the event of default, you will pay all reasonable costs and expenses of collection of any indebtedness you owe to the Credit Union, plus the costs and expenses of the repossession and sale of any collateral. These costs and expenses which you agree to pay to the Credit Union include, but are not necessarily limited to: all court costs; litigation expenses; collection agency fee and reasonable attorney’s fees of the unpaid total amount you owe to the Credit Union.

Other terms and conditions apply and all loans are subject to credit approval. Rates and terms are subject to change at any time without prior notice.

*Rates indicated above are quoted with the .50% discount. Please call (530) 895-1947 for more information.

Visa Credit Card Disclosures:
Billing Cycle: You have 26 days to repay your balances for purchases before a finance charge will be imposed

Courtesy Period: You have 5 days from your scheduled payment date to make your payment before a late fee is assessed.

Balance calculation method for Purchaces: Average Daily Balance including new purchases

Annual Fee: NONE

Tranaction Fees:

• Cash Advance Fee: 4% of transaction amount
• Late Payment Fee: $15.00
• Over-the-Limit Fee: $15.00

Foreign Transactions: 1% of the transaction amount.

* The "Prime Rate" Index as published in the Money Rates Table of the Wall Street Journal. The Annual Percentage Rate may change on January 15 and July 15 of each year. The interest rate will be Prime (3.25% as of November 3rd, 2009) plus 4.99%.

**Default Rates will occur whenever the minimum monthly payment shown on your statement is received late (5 days or more after the scheduled payment date shown on your monthly statement) more than 3 times during a one year period on your Visa Account. The interest rate will be Prime (3.25% as of November 3rd, 2009) plus 10%. (See Visa Agreement for details)