Provident: Personal Loan Rates

Personal Loan Rates

Rates are valid as of May 24, 2013 and are subject to change

Fixed Rate Personal Loan

Finance up to $10,000*

Maximum Term	Fixed Rate APR¹	Payment per $1,000²
48 months	9.990%	$25.36

Solar Advantage Loan³

Finance up to $35,000*

Maximum Term ⁴	Fixed Rate APR¹	Payment per $1,000²
240 months	6.500%	$7.46

Savings Secured Loan

Finance up to value of your Savings account

Maximum Term	Fixed Rate APR¹	Payment per $1,000²
72	Lowest savings rate + 3%	varies

Certificate Secured Loan

Finance up to 80% of your Certificate balance

Maximum Term	Fixed Rate APR¹	Payment per $1,000²
Certificate maturity date	Certificate yield + 3% (rate rounded up to next whole number)	varies

VIP Line of Credit⁵

Credit Lines up to $10,000.*

Term	Variable Rate APR¹	Minimum Payment
Revolving	11.250%	2% of outstanding balance, or $25, whichever is greater.

For more information or to apply by phone, call (800) 632-4600 and press 312.

* The maximum unsecured credit allowed per membership, including Visa, VIP, and unsecured loans, is $10,000.

1. APR - Annual Percentage Rate is subject to change and may vary depending on credit rating. APR includes a 2% discount for package or automatic transfer participants. For VIP lines of credit, your APR, prior to any discount for package or automatic payment, is determined by adding a margin of 8.00% to 15.00% (depending on credit worthiness) to the Prime Rate, as published in the Wall Street Journal, and is set on a quarterly basis.

2. Payment per $1,000 balance is based on the interest rate listed with a maximum term. Example: for a 4 year (48 month), $5,000 fixed rate personal loan at the rate of 9.99%, multiply 5 x $25.36 for a payment amount of $126.80 (loan amount ÷ $1,000 x payment example = payment amount). Actual payment varies based on credit score, loan amount, and term.

3. $100 fee due after funding. $45 reconveyance fee and $16 recording fee due at end of loan term.

4. Minimum loan amount of $20,000 for terms greater than 10 years (180 months).

5. $25 annual fee. Minimum VIP credit line amount is $500.00.