Loans

Auto Loans

Financing your next vehicle with Red Canoe is easier than ever. Call 24-hours a day, apply online or stop in at your nearest branch and let us walk you through the process and get you on your way in your new or used vehicle.

At Red Canoe, you'll get:

• No application fees
• Free, loan refinance cost-saving analysis
• Low, fixed rates
• A personal loan officer to walk you through the process

 What would my loan payment be?
 How much vehicle can I afford?
 Should I refinance my auto loan at a lower rate?

Vehicle Value Guides

AutoEffective: 9/28/12
	Term	APR as low as1
New Vehicle	Up to 84 months	2.24%
Used Vehicle	Up to 84 months	2.74%
1Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).

Line of Credit

Enjoy the freedom that comes from a Red Canoe Personal Line of Credit. It's an open loan that you can access when you need a little extra money. With a Red Canoe Personal Line of Credit, there are no restrictions on how you spend your funds, and they're available when you need them. You can access your line of credit by calling us 24-hours a day via our Online Banking system. Personal Lines of Credit can also serve as overdraft protection for your Red Canoe checking account - adding a little extra reassurance to your busy day.

Lines of credit feature:

• No application fee
• No annual maintenance fees
• Only pay interest when you need funds
• 24-hour access via Online Banking
• Additional overdraft protection service

 What would my loan payment be?

Personal Line of CreditEffective: 4/1/2012
	APR as low as1
Personal Line of Credit	9.75%
1APY = annual percentage yield.

Other Red Canoe Loans

Sport/Recreational Loans
Enjoying life in the great Northwest is even easier with a sport or RV loan from Red Canoe. We offer several financing options for your needs, including:

• RV loans
• Boat loans
• Motorcycle/ATV
• Jet ski

 What would my loan payment be?

Boats & RVsEffective: 5/24/2013
Term	APR as low as1
Up to 144 months	5.59%
1Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).

Motorcycle, 4-wheeler, Jet-SkiEffective: 05/24/2013
Term	APR as low as1
Up to 84 months	5.94%
1Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).

Share Secured Loans
Our Share Secured Loans allow you to borrow against the balance of your savings account, certificates or money market accounts without ever having to draw on them, allowing you to get a much better interest rate.

Share Secured LoanEffective: 4/1/2012
Term	APR
Up to 12 years	2.15%1
1Based on 2% above previous month’s share rate.

Payment Security Protection

Taking out a loan means one of your dreams is about to come true - buying a new car, boat, or home improvement. But what happens to your dream when the unexpected hits? How can you make sure your family doesn’t shoulder the financial burden of making loan payments when your income is diminished?

Payment Security Protection may cancel your loan payments if you become involuntarily unemployed, sick, or injured. It may also repay your loan, up to the policy maximum, if you become deceased.

Benefits:

• Protects your credit score
• Automatic eligibility for most borrowers
• Simple enrollment
• No medical screening
• Cost included in your payment

You can count on Payment Security Protection to step in when you and your family need help the most.

We can customize a plan to meet your family’s needs, ask us for more information on Payment Security Protection.

 How much vehicle can I afford?

 Should I refinance my auto loan at a lower rate?

 What would my loan payment be?