*APR=Annual Percentage Rate. Actual rate based on credit history and/or opening of payroll deduction. ** Annual Percentage Rate. Actual rate based on credit history and loan-to-value. ^@Penalty may be imposed for early withdrawal. ***APY=Annual Percentage Yield ^Must reach $300 minimum within 6 months of opening. If minimum isn't met within 6 months, WPCU will close Certificate and transfer funds, less all dividends earned, to WPCU savings account. ^^$10,000 Minimum and 2005 or newer model year required for 61 month or greater. ⁺48 monthly payments of $22.76 per $1,000 borrowed. ⁺⁺48 monthly payments of $23.26 per $1,000 borrowed. ⁺⁺⁺48 monthly payments of $23.38 per $1,000 borrowed. ⁺⁺⁺⁺48 monthly payments of $24.42 per $1,000 borrowed. ⁺⁺⁺⁺⁺48 monthly payments of $23.72 per $1,000 borrowed. Competitive rates available for older models ⁺⁺⁺⁺⁺⁺48 monthly payments of $25.61 per $1,000 borrowed. ^+++++++48 monthly payments of $23.72 per $1,000 borrowed. ^^^The U.S. Prime Rate used to determine APRs for each billing cycle is the highest rate appearing in the Wall Street Journal on the last publication date of the calendar month that ends within the billing cycle. On 9/30/09, the U.S. Prime Rate was 3.25%. ^{^^^^}See Terms and Conditions for rate, fee and other cost information. All terms, including the APRs and fees, are subject to change at any time, in accordance with the Credit Card Agreement and applicable law.