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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 6/4/2010.
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 3.75% Fixed
New Auto $40,000.00 Max 61 - 72 Months; 100% Financing 4.75% Fixed
Used Auto (1 to 3 Years Old) $30,000.00 Max 1 - 60 Months; 90% Financing 4.50% Fixed
Used Auto (4 to 6 Years Old) $30,000.00 Max 1 - 60 Months; 90% Financing 5.25% Fixed
Used Auto (7 to 10 Years Old) $30,000.00 Max 1 - 36 Months; 80% Financing 6.25% Fixed
New Recreational Vehicle $40,000.00 Max 1 - 60 Months; 90% Financing 6.00% Fixed
Used RV (2005-2008) $30,000.00 Max 1 - 60 Months; 80% Financing 6.50% Fixed
Used RV (2002-2004) $30,000.00 Max 1 - 60 Months; 80% Financing 7.25% Fixed
Used RV (1998-2001) $30,000.00 Max 1 - 36 Months; 70% Financing 8.75% Fixed
Share Secured 100% Secured 1 - 60 Months 3.75% 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 4.50% Fixed
Fixed Home Equity $100,000.00 Max 61 - 120 Months; 85% Loan To Value 5.50% 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 6/4/2010.
Rate Description Term Dividend Rates APY
6 Month Share Certificate $1,000.00 Min 1.490% 1.50%
12 Month Share Certificate $1,000.00 Min 1.638% 1.65%
12 Month Share Certificate $25,000.00 Min 1.738% 1.75%
12 Month Share Certificate $50,000.00 Min 1.838% 1.85%
18 Month Share Certificate $1,000.00 Min 1.736% 1.75%
18 Month Share Certificate $25,000.00 Min 1.836% 1.85%
18 Month Share Certificate $50,000.00 Min 1.936% 1.95%
24 Month Share Certificate $1,000.00 Min 1.834% 1.85%
24 Month Share Certificate $25,000.00 Min 1.934% 1.95%
24 Month Share Certificate $50,000.00 Min 2.034% 2.05%
36 Month Share Certificate $1,000.00 Min 1.933% 1.95%
36 Month Share Certificate $25,000.00 Min 2.033% 2.05%
36 Month Share Certificate $50,000.00 Min 2.133% 2.15%

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 6/4/2010.
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 6/4/2010.
Rate Description Term Dividend Rates APY
Traditional IRA 1.933% 1.95%
Roth IRA 1.933% 1.95%
Coverdell ESA 1.933% 1.95%

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 6/4/2010.
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.

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