IBEW 380 Credit Union

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Rate Information

APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates

Rates as of 1/22/2010.
Rate Description	Term	Payment Description	APR	APR Type
Signature	$10,000.00 Max	1 - 60 Months	13.00%	Fixed
Co-Maker	$10,000.00 Max	1 - 60 Months	13.00%	Fixed
Signature Line of Credit	$5,000.00 Max Revolving Credit Line	1 - 60 Months	13.00%	Fixed
New Auto	$40,000.00 Max	1 - 60 Months; 100% Financing	4.00%	Fixed
New Auto	$40,000.00 Max	61 - 72 Months; 100% Financing	5.00%	Fixed
Used Auto (1 to 3 Years Old)	$30,000.00 Max	1 - 60 Months; 90% Financing	4.75%	Fixed
Used Auto (4 to 6 Years Old)	$30,000.00 Max	1 - 60 Months; 90% Financing	5.50%	Fixed
Used Auto (7 to 10 Years Old)	$30,000.00 Max	1 - 36 Months; 80% Financing	6.50%	Fixed
New Recreational Vehicle	$40,000.00 Max	1 - 60 Months; 90% Financing	6.25%	Fixed
Used RV (2005-2008)	$30,000.00 Max	1 - 60 Months; 80% Financing	6.75%	Fixed
Used RV (2002-2004)	$30,000.00 Max	1 - 60 Months; 80% Financing	7.50%	Fixed
Used RV (1998-2001)	$30,000.00 Max	1 - 36 Months; 70% Financing	9.00%	Fixed
Share Secured	100% Secured	1 - 60 Months	4.00%	Fixed
Home Equity Line of Credit	$150,000.00 Max Revolving Credit Line	1 - 180 Months; 85% Loan To Value	5.00%	Variable
Fixed Home Equity	$100,000.00 Max	1 - 60 Months, 85% Loan To Value	4.75%	Fixed
Fixed Home Equity	$100,000.00 Max	61 - 120 Months; 85% Loan To Value	5.75%	Fixed

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Certificates

Rates as of 1/22/2010.
Rate Description	Term	Dividend Rates	APY
6 Month Share Certificate	$1,000.00 Min	1.736%	1.75%
12 Month Share Certificate	$1,000.00 Min	1.884%	1.90%
12 Month Share Certificate	$25,000.00 Min	1.984%	2.00%
12 Month Share Certificate	$50,000.00 Min	2.084%	2.10%
18 Month Share Certificate	$1,000.00 Min	1.982%	2.00%
18 Month Share Certificate	$25,000.00 Min	2.082%	2.10%
18 Month Share Certificate	$50,000.00 Min	2.182%	2.20%
24 Month Share Certificate	$1,000.00 Min	2.080%	2.10%
24 Month Share Certificate	$25,000.00 Min	2.180%	2.20%
24 Month Share Certificate	$50,000.00 Min	2.280%	2.30%
36 Month Share Certificate	$1,000.00 Min	2.178%	2.20%
36 Month Share Certificate	$25,000.00 Min	2.278%	2.30%
36 Month Share Certificate	$50,000.00 Min	2.378%	2.40%

NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Savings/Shares Rates

Rates as of 1/22/2010.
Rate Description	Term	Dividend Rates	APY
Regular Shares	$25.00 Min	0.499%	0.50%
Money Market	$2,500.00 Min	0.995%	1.00%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

IRAs

Rates as of 1/22/2010.
Rate Description	Term	Dividend Rates	APY
Traditional IRA		2.423%	2.45%
Roth IRA		2.423%	2.45%
Coverdell ESA		2.423%	2.45%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Share Draft

Rates as of 1/22/2010.
Rate Description	Term	Dividend Rates	APY
Share Draft	$1,000.00 Average Daily Balance	0.250%	0.25%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.