FEDERALLY INSURED BY NCUA | *Rate shown is Annual Percentage Rate (APR), accurate as of 6/1/2015, and subject to change without notice. A .25% reduction is available for direct deposit of entire net pay and automatic payment (example: 2.99% APR less .25% = 2.74%). Example: A $10,000 ATV loan with a rate of 2.74% APR for 60 months. Monthly payment is approximately $178.56. Total finance charge is approximately $713.43. Loan approval and APR subject to credit worthiness. Direct deposit of entire net pay (NOT ALLOTMENT) and automatic payment must be maintained. Rates no lower than 2.64%. Must be a member of Service Credit Union or eligible for membership.