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

Loan Rates

Rates as of 7/1/2010.
Rate Description	Term	Payment Description	APR	APR Type
SHARE SECURED	UP TO 48 MONTHS	$22.35 PER $1000.00 BORROWED	3.49%	Fixed
NEW AUTO	85% OF STICKER (UP TO FIVE YEARS)	$18.41 PER $1000.00 BORROWED	3.99%	Fixed
NEW AUTO	100% OF STICKER (UP TO FIVE YEARS)	$18.64 PER $1000.00 BORROWED	4.49%	Fixed
USED AUTO	UP TO 48 MONTHS	$22.80 PER $1000.00 BORROWED	4.49%	Fixed
HOME EQUITY	UP TO 60 MONTHS	$18.64 PER $1000.00 BORROWED	4.49%	Fixed
HOME EQUITY	FROM 61 MONTHS TO 84 MONTHS	$14.13 PER $1000.00 BORROWED	4.99%	Fixed
HOME EQUITY	FROM 85 MONTHS TO 120 MONTHS	$10.85 PER $1000.00 BORROWED	5.49%	Fixed
MOBILE HOME	UP TO 60 MONTHS	$19.56 PER $1000.00 BORROWED	6.49%	Fixed
MOBILE HOME	FROM 61 MONTHS TO 84 MONTHS	$15.09 PER $1000.00 BORROWED	6.99%	Fixed
MOBILE HOME	FROM 85 MONTHS TO 120 MONTHS	$11.86 PER $1000.00 BORROWED	7.49%	Fixed
PERSONAL (SIGNATURE SECURED)	UP TO 48 MONTHS	$24.64 PER $1000.00 BORROWED	8.49%	Fixed
PERSONAL (TITLE SECURED)	UP TO 48 MONTHS	$24.41 PER $1000.00 BORROWED	7.99%	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 7/1/2010.
Rate Description	Term	Dividend Rates	APY
MINIMUM BALANCE OF $2500.00	6 MONTHS	0.74%	0.74%
MINIMUM BALANCE OF $2500.00	12 MONTHS	0.99%	0.99%

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 7/1/2010.
Rate Description	Term	Dividend Rates	APY
SHARE BALANCES OF $50.00 to $ 499.99	QUARTERLY ENDING 6-30-10	0.20%	0.20%
SHARE BALANCES OF $500.00 to $4,999.99	QUARTERLY ENDING 6-30-10	0.45%	0.45%
SHARE BALANCES OF $ 5000.00 to $24,999.99	QUARTER ENDING 6-30-10	0.45%	0.45%
SHARE BALANCES OF $25,000.00 and above	QUARTERLY ENDING 6-30-10	0.45%	0.45%
CHRISTMAS AND VACATION CLUBS	QUARTERLY ENDING 6-30-10	0.50%	0.50%
MISC. SAVINGS	QUARTERLY ENDING 6-30-10	0.50%	0.50%

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 7/1/2010.
Rate Description	Term	Dividend Rates	APY
ROTH OR TRADITIONAL (BALANCES UP TO $5000.00)	QUARTERLY ENDING 6-30-10	0.74%	0.74%
ROTH OR TRADITIONAL (BALANCES OVER $5000.00)	QUARTERLY ENDING 6-30-10	0.99%	0.99%
TERM CERTIFICATE	6 MONTHS	0.74%	0.74%
TERM CERTIFICATE	12 MONTHS	0.99%	0.99%

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 7/1/2010.
Rate Description	Term	Dividend Rates	APY
BALANCES OVER $250.00	QUARTERLY ENDING 6-30-10	0.20%	0.20%

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.

We do business in accordance with the
Federal Fair Housing Law and the
Equal Credit Opportunity Act.