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*Annual Percentage Rate and terms will be determined by the member’s overall credit rating and is available as low as stated. APR requires loan holder to have a Beacon checking account with automatic/electronic loan payments. Additional interest will be charged for loan paid via coupon book or monthly billing. Loans are subject to credit approval and rate is subject to change without notice. Other rates and terms are available - please inquire for terms that apply to this rate. Rate as of 1/19/12. Other restrictions may apply. Image licensed by DepositPhotos.com/mangostock