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	Wings Financial	Bank of America (Detroit)	Wells Fargo (Seattle)	U.S. Bank (Minneapolis)	First TN (Memphis)
Loans	APR*	APR*	APR*	APR*	APR*
New Auto	14.50%**	4.14%^†	6.64%	4.99%^†	N/A
Used Car	14.50%**	4.54%^†	6.89%	4.99%^†	N/A
Personal Unsecured	12.00%**	N/A	13.10%^†	N/A	N/A
Home Equity L.O.C.	14.50%**	4.49%- 24.00%	4.24%- 18.00%	4.24%- 9.49%	4.25%- 21.00%
Credit Card (Platinum)	18.90%**	12.99%- 20.99%	10.65%- 22.65%	9.99%- 22.99%	5.15%- 13.15%

*	APR = annual percentage rate.
**	The above annual percentage rate and daily periodic rates will be increased by ½% in the event an active Wings Financial Credit Union checking account and recurring net direct deposit of payroll are not maintained.
†	Variable, dependent on credit.

Rates are as of Nov. 16, 2009, and are subject to change. Rate information obtained from Rate Watch, financial institutions' Web sites and financial institutions' phone representatives. Auto rates shown are for a 60-month term. HELOC is up to 80% LTV.

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eMoneyMatters is published by the Marketing Department at Wings Financial Credit Union for its members. It is designed to help maintain communication with members and provide reliable and helpful information that will contribute to each member's overall financial well-being. eMoneyMatters is published at Wings Financial Credit Union, 14985 Glazier Avenue, Apple Valley, MN 55124, (952) 997-8000. While consistent effort is made to ensure the integrity of information contained in this publication, material should not be considered legal, financial or professional advice. The publishers do not assume liability for loss or damage as a result of reliance on this data. Images may be from one or more of these sources: ©Jupiterimages, ©Getty Images, ©iStock, ©Fotolia. Copyright ©2009 Wings Financial Credit Union. All rights reserved.