Rates »

**ALL RATES ARE SUBJECT TO CHANGE**


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

Loan Rates

Rates as of 2/2/2012.
Rate Description Term Payment Description APR APR Type
CHRISTMAS LOAN SPECIAL UP TO 18 MONTHS WITH RATES AS LOW AS CERTAIN RESTRICTIONS DO APPLY 7.00% Fixed
VISA PLATINUM CREDIT CARD 25 DAYS GRACE PERIOD FOR REPAYMENT OF PURCHASES NO ANNUAL FEE 6.99% Fixed
VISA CLASSIC CREDIT CARD 25 DAYS GRACE PERIOD FOR REPAYMENT OF PURCHASES NO ANNUAL FEE 11.99% Fixed
SHARE SECURED CALL FOR QUOTE Fixed
CD SECURED CALL FOR QUOTE Fixed
NEW VEHICLE (2011-2010)100% OF MSRP RATES STARTING AT CERTAIN RESTRICTIONS APPLY 4.00% Fixed
USED VEHICLE (2010-2005) RATES STARTING AT CERTAIN RESTRICTIONS APPLY 4.00% Fixed
USED VEHICLES (04-02)MODELS RATES STARTING AT CERTAIN RESTRICTIONS APPLY 4.00% Fixed
PERSONAL UNSECURED RATES STARTING AT CERTAIN RESTRICTIONS 7.00% Fixed
PARTIALLY SECURED UP TO 60 MONTHS WITH RATES STARTING AT CERTAIN RESTRICTIONS APPLY 6.50% Fixed
SINGLE PAYMENT NOTE 3 MONTHS WITH RATES STARTING AT CERTAIN RESTRICTIONS APPLY 7.00% Fixed
15 YEAR MORTGAGE (1ST LIEN) UP TO 180 MONTHS AT 80% OF APPRAISED VALUE **call for quote** Fixed
10 YEAR MORTGAGE (1ST LIEN) UP TO 120 MONTHS AT 80% OF APPRAISED VALUE **call for quote** Fixed
15 YEAR MORTGAGE (2ND LIEN) UP TO 180 MONTHS AT 80% OF APPRAISED VALUE **call for quote** Fixed
10 YEAR MORTGAGE (2ND LIEN) UP TO 120 MONTHS AT 80% OF APPRAISED VALUE **call for quote** Fixed
NEW RECREATIONAL VEHICLES 72 - 120 MONTHS WITH RATES STARTING CERTAIN RESTRICTIONS APPLY ON 120 MONTHS 4.99% Fixed
NEW RECREATIONAL VEHICLES 60 MTHS WITH RATES STARTING CERTAIN RESTRICTIONS APPLY 4.99% Fixed
USED RECREATIONAL VEHICLES UP TO 60 MONTHS WITH RATES STARTING AT CERTAIN RESTRICTIONS APPLY 5.95% 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 2/2/2012.
Rate Description Term Dividend Rates APY
CERTIFICATE OF DEPOSIT (MIN. BAL IS $1,000) 1 YEAR (DIVIDENDS PAY QUARTERLY) 0.60% 0.60%
CERTIFICATE OF DEPOSIT (MINIMUM BAL. IS $1,000) 15 MONTH (DIVIDENDS PAY QUARTERLY) 0.75% 0.75%
CERTIFICATE OF DEPOSIT (MINIMUM BAL. IS $1,000) 33 MONTH (DIVIDENDS PAID QUARTERLY) 1.30% 1.31%

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 2/2/2012.
Rate Description Term Dividend Rates APY
TIERED SHARES (SAVINGS) PAID MONTHLY ($50.00 - $5,000.00) 0.25% 0.25%
TIERED SHARE (SAVINGS) PAID MONTHLY ($5,000.01 - $15,000.00) 0.35% 0.35%
TIERED SHARE (SAVINGS) PAID MONTHLY ($15,000.01 - 30,000.00) 0.45% 0.45%
TIERED SHARE (SAVINGS) PAID MONTHLY ($30,000.01- $55,000.00) 0.65% 0.65%
TIERED SHARE (SAVINGS) PAID MONTHLY ($55,001.00 AND ABOVE) 0.90% 0.90%
IRA SHARE SAVINGS PAID MONTHLY 0.90% 0.90%
VACATION OR CHRISTMAS CLUB PAID MONTHLY 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.

IRAs

Rates as of 2/2/2012.
Rate Description Term Dividend Rates APY
TRADITIONAL IRA 3 YEAR 1.30% 1.31%
TRADITIONAL IRA 5 YEAR 1.60% 1.61%
IRA SHARE ACCOUNT NO MINIMUM TO START 1.00% 1.01%

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 2/2/2012.
Rate Description Term Dividend Rates APY
SHARE DRAFT (CHECKING) PAID MONTHLY 0.10% 0.10%

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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