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Rates

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

Loan Rates

Rates as of 12/17/2009.
Rate Description	Term	Payment Description	APR	APR Type
New Auto, Truck, or Van	60 Months		4.75%	Fixed
New Auto, Truck, or Van	72 Months		5.25%	Fixed
New Auto, Truck, or Van > $25,000	84 Months		5.63%	Fixed
Used Vehicle 2008	60 Months		5.13%	Fixed
Used Vehicle 2007	60 Months		5.25%	Fixed
Used Vehicle 2006	60 Months		5.50%	Fixed
Used Vehicle 2005	60 Months		6.50%	Fixed
Used Vehicle 2004	54 Months		7.00%	Fixed
Used Vehicle 2003	48 Months		7.00%	Fixed
Used Vehicle 2002	36 Months		7.00%	Fixed
Used Vehicle 2001	36 Months		8.40%	Fixed
Used Vehicle 2000 & Older	24 Months		8.40%	Fixed
RV/BOAT New	60 Months		5.25%	Fixed
RV/Boat New	72 Months		5.75%	Fixed
RV/Boat 2008	60 Months		5.63%	Fixed
RV/Boat 2007	60 Months		5.75%	Fixed
RV/Boat 2006	60 Months		6.00%	Fixed
RV/Boat 2005	60 Months		7.00%	Fixed
Unsecured	varies		14.00%	Fixed
Small Implements (new)	varies		4.00%	Fixed
VISA - Platinum	no annual fee		9.90%	Fixed
VISA - Classic	no annual fee		11.90%	Fixed
Home Equity	varies		4.00%	Variable
1st Mortgage	Contact CU for rates		****	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 12/17/2009.
Rate Description	Term	Dividend Rates	APY
182 Day		0.85%	0.85%
12 Month		1.15%	1.15%
18 Month		1.30%	1.31%
24 Month		1.40%	1.41%

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 12/17/2009.
Rate Description	Term	Dividend Rates	APY
Student	$5.00	1.50%	1.50%
Regular, Vacation, Christmas, Escrow	$100.00 - $4,999.99	0.25%	0.25%
Regular, Vacation, Christmas, Escrow	$5,000.00 - $19,999.99	0.35%	0.35%
Regular, Vacation, Christms, Escrow	$20,000.00 - plus	0.75%	0.75%

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 12/17/2009.
Rate Description	Term	Dividend Rates	APY
Regular, Second Checking	$1,000.00 - $4,999.00	0.00%	0.00%
Regular, Second Checking	$5,000.00 - $19,999.99	0.15%	0.15%
Regular, Second Checking	$20,000.00 - plus	0.25%	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.

All rates and terms are subject to change. Contact us for the most current information at 419-586-5522.

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