Rates

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

Loan Rates

*CD Secured Loan Rates Vary. The Rate equals the CD interest rate plus 2.5%

Rates as of 4/10/2008.
Rate Description	Term	Payment Description	APR	APR Type
New Vehicle	70% of purchase price-36 mo	$31.31 per $1,000 borrowed	7.90%	Fixed
New Vehicle	80% of Purchase Price-36 mo	$32.24 per $1,000 borrowed	9.90%	Fixed
New Vehicle	85% of Purchase Price-42 mo	$28.77 per $1,000 borrowed	10.90%	Fixed
New Vehicle	95% of Purchase Price-48 mo	$26.31 per $1,000 borrowed	11.90%	Fixed
Used Vehicle	1-3 Years Old Vehicle 24/36 mo	$32.72 per $1,000 borrowed	10.90%	Fixed
Used Vehicle	3 to 7 Year Old Vehicle 24/30 mo	$38.73 per $1,000 borrowed	11.90%	Fixed
Used Vehicle	Over 7 Years Old 24 mo	$47.53 per $1,000 borrowed	12.90%	Fixed
Other Collateral	70% of Purchase Price - 48 mo	$25.82 per $1,000 borrowed	10.90%	Fixed
Other Collateral	80% of Purchase Price - 48 mo	$26.80 per $1,000 borrowed	12.90%	Fixed
Other Collateral	85% of Purchase Price - 48 mo	$27.81 per $1,000 borrowed	14.90%	Fixed
Other Collateral	90% of Purchase Price - 48 mo	$28.32 per $1,000 borrowed	15.90%	Fixed
Home Improvement	Equity Value @ 60% - 60 mo	$21.76 per $1,000 borrowed	11.00%	Variable
Home Improvement	Equity Value @ 75% - 60 mo	$22.72 per $1,000 borrowed	12.90%	Variable
Home Improvement	Equity value @ 90% - 60 mo	$23.24 per $1,000 borrowed	13.90%	Variable
*Share Secured Loan-CD's	12 Year Maturity Limit-CD Rate & 2.5%	Varies per CD rate earned	0.00%	Fixed
Share Secured-Regular Shares	12 Year Maturity Limit	Varies per savings rate earned	8.00%	Fixed
Signature Loan	Open End - 24 mo	$48.96 per $1,000 borrowed	15.90%	Fixed
Signature Loan	Overdraft Protection	$48.96 per $1,000 borrowed	15.90%	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 4/10/2008.
Rate Description	Term	Dividend Rates	APY
Certificate of Deposit	6 months	2.97%	3.00%
Certificate of Deposit	1 Year	3.11%	3.15%
Certificate of Deposit	2 Year	3.21%	3.25%
Certificate of Deposit	3 Year	3.31%	3.35%

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 4/10/2008.
Rate Description	Term	Dividend Rates	APY
Share Savings	$5.00 to $9999.99	1.00%	1.00%
Share Savings	Above $10,000	1.59%	1.60%
Share Savings	Above $50,000	2.48%	2.50%

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 4/10/2008.
Rate Description	Term	Dividend Rates	APY
Regular IRA Share		2.82%	2.85%
IRA Certificate of Deposit	18 Month	3.31%	3.35%
IRA Certificate of Deposit	36 Month	3.40%	3.45%
IRA Certificate of Deposit	48 Month	3.50%	3.55%

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 4/10/2008.
Rate Description	Term	Dividend Rates	APY
Checking	$5 to $9,999	1.00%	1.00%
Checking	$10,000 to $19,999	1.20%	1.20%
Checking	Above $20,000	1.59%	1.60%
Checking	Above $50,000	2.48%	2.50%

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.