^*Advertised rates apply to approved, new applications received between 07/01/09 - 09/07/09 for Direct Secured Qualified Consumer Loans. All advertised rates require the borrower to maintain an Optimum Checking account with loan payments auto deducted from a CNB checking account. All monthly payments will be calculated at the non-discounted rate. Loan sale rate discount will be realized in total interest paid over the term of the loan, and, as a result, your loan will be paid off sooner than your original term. All loans are subject to credit approval. Qualified consumer loans: new/used autos, motorcycles, ATVs, jet skis, and snowmobiles - 2006 and newer Model year requirements for boats, aircraft, motor homes, and travel trailers vary. The 6.69% APR applies to qualified consumer loans where minimum loan amount is $10,000 and the maximum term is 5 years. Based on a loan amount of $10,000 with an APR of 7.19%, a 5-year loan will have a monthly payment of $198.91. For loans not meeting these requirements, rate will be determined based on product type, collateral, and term. Mobile homes, home improvement, and refinance of existing CNB qualified consumer loans are excluded.