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 10/15/2009.
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 10/15/2009.
Rate Description Term Dividend Rates APY
Certificate of Deposit 6 months 1.83% 1.85%
Certificate of Deposit 1 Year 1.98% 2.00%
Certificate of Deposit 2 Year 2.23% 2.25%
Certificate of Deposit 3 Year 2.33% 2.35%

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 10/15/2009.
Rate Description Term Dividend Rates APY
Share Savings $5.00 to $9999.99 0.75% 0.75%
Share Savings Above $10,000 0.99% 1.00%
Share Savings Above $50,000 1.49% 1.50%

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 10/15/2009.
Rate Description Term Dividend Rates APY
Regular IRA Share 1.83% 1.85%
IRA Certificate of Deposit 18 Month 2.33% 2.35%
IRA Certificate of Deposit 36 Month 2.42% 2.45%
IRA Certificate of Deposit 48 Month 2.52% 2.55%

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 10/15/2009.
Rate Description Term Dividend Rates APY
Checking $5 to $9,999 0.74% 0.75%
Checking $10,000 to $19,999 0.74% 0.75%
Checking Above $20,000 0.99% 1.00%
Checking Above $50,000 1.49% 1.50%

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.

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