APR* = Annual percentage rate. 1.99% APR applies for first 6 months of the loan. Following introductory period, APR will change to the approved rate, which could be as low as 5.99% APR. Maximum 80% LTV. A sample payment based on $25,000 at 5.99% APR including the introductory 6-onth rate of 1.99% APR for a 5 year (60 month) repayment is $475.00. A sample payment based on $25,000 at 6.74% APR, including the introductory rate of 1.99% APR, for a ten year (120month) repayment is $281.00. A sample payment based on $25,000 at 6.99% APR, including the introductory rate of 1.99% APR, for a fifteen year (180 month) repayment is $220.00. This does not apply to current loans financed at Top Tier FCU.