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

Loan Rates

Rates as of 12/16/2009.
Rate Description Term Payment Description APR APR Type
New Vehicles - With Approved Credit 36 Months - As Low As Monthly Payemnts 3.75% Fixed
New Vehicles - With Approved Credit 48 Months - As Low As Monthly Payments 4.25% Fixed
New Vehicles - With Approved Credit 60 Months - As Low As Monthly Payments 4.75% Fixed
New Vehicles - With Approved Credit 72 Months - As Low As Monthly Payments 5.50% Fixed
Used Vehicles - 2007-2009 - With Approved Credit 36 Months - As Low As Monthly Payments 4.50% Fixed
Used Vehicles - 2007-2009 - With Approved Credit 48 Months - As Low As Monthly Payments 5.00% Fixed
Used Vehicles - 2007-2009 - With Approved Credit 60 Months - As Low As Monthly Payments 5.75% Fixed
Used Vehicles - 2007-2009 - With Approved Credit 72 Months - As Low As Monthly Payments 6.50% Fixed
Used Vehicles - 2005-2006 - With Approved Credit 36 Months - As Low As Monthly Payments 5.50% Fixed
Used Vehicles - 2005-2006 - With Approved Credit 48 Months - As Low As Monthly Payments 6.00% Fixed
Used Vehicles - 2003-2004 - With Approved Credit 36 Months - As Low As Monthly Payments 6.50% Fixed
Used Vehicles - 2003-2004 - With Approved Credit 48 Months - As Low As Monthly Payments 7.00% Fixed
Used Vehicles - 2002 & Older - With Approved Credit 36 Months - As Low As Monthly Payments 7.50% Fixed
Signature Loan - With Approved Credit 12 Months - As Low As Monthly Payments 7.00% Fixed
Signature Loan - With Approved Credit 24 Months - As Low As Monthly Payments 8.00% Fixed
Signature Loan - With Approved Credit 36 Months - As Low As Monthly Payments 9.00% Fixed
Share Secured Loans 60 Months Max Monthly Payments 6.00% Fixed
Certificate Secured Loans Term & Amount of CD - % Quoted Above CD Rate Monthly Payments 2.00% Fixed
MasterCard - With Approved Credit Limits Range From $300.00 to $5,000.00 Monthly Payments 8.50% 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 12/16/2009.
Rate Description Term Dividend Rates APY
CD - $1,000.00 Min (PAID QUARTERLY) 6 Month - Contributing 1.50% 1.51%
CD - $1,000.00 Min (PAID QUARTERLY) 1 Year 1.75% 1.76%
CD - $1,000.00 Min (PAID QUARTERLY) 2 Year 2.00% 2.02%
CD - $1,000.00 Min (PAID QUIARTERLY) 3 Year 2.25% 2.27%
CD - $1,000.00 Min (PAID QUARTERLY) 4 Year 2.50% 2.52%

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 12/16/2009.
Rate Description Term Dividend Rates APY
SAVINGS (PAID QUARTERLY) AVERAGE BALANCES $25.01 TO $4,999.99 1.00% 1.01%
SAVINGS (PAID QUARTERLY) AVERAGE BALANCES $5,000.00 TO $49,999.99 1.25% 1.26%
SAVINGS (PAID QUARTERLY) AVERAGE BALANCES $50,000.00 AND ABOVE 1.50% 1.51%

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 12/16/2009.
Rate Description Term Dividend Rates APY
IRA - No MIn 1 Year 1.75% 1.76%

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 12/16/2009.
Rate Description Term Dividend Rates APY
Share Draft/Checking Dividends Paid Monthly 0.05% 0.50%
MONEY MARKET ACCOUNT (PAID MONTHLY) AVERAGE BALANCES $1,000.00 TO $4,999.99 1.00% 1.00%
MONEY MARKET ACCOUNT (PAID MONTHLY) AVERAGE BALANCES $5,000.00 TO $49,999.99 1.25% 1.25%
MONEY MARKET ACCOUNT (PAID MONTHLY) AVERAGE BALANCE $50,000.00 AND OVER 1.50% 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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