McLennan County Employees FCU

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

Loan Rates

Rates as of 12/19/2008.
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	4.00%	Fixed
New Vehicles - With Approved Credit	60 Months - As Low As	Monthly Payments	4.50%	Fixed
New Vehicles - With Approved Credit	72 Months - As Low As	Monthly Payments	5.00%	Fixed
Used Vehicles - 2005-2007 - With Approved Credit	36 Months - As Low As	Monthly Payments	4.75%	Fixed
Used Vehicles - 2005-2007 - With Approved Credit	48 Months - As Low As	Monthly Payments	5.00%	Fixed
Used Vehicles - 2005-2007 - With Approved Credit	60 Months - As Low As	Monthly Payments	5.50%	Fixed
Used Vehicles - 2005-2007 - With Approved Credit	72 Months - As Low As	Monthly Payments	6.00%	Fixed
Used Vehicles - 2003-2004 - With Approved Credit	36 Months - As Low As	Monthly Payments	5.75%	Fixed
Used Vehicles - 2003-2004 - With Approved Credit	48 Months - As Low As	Monthly Payments	6.00%	Fixed
Used Vehicles - 2001-2002 - With Approved Credit	36 Months - As Low As	Monthly Payments	6.75%	Fixed
Used Vehicles - 2001-2002 - With Approved Credit	48 Months - As Low As	Monthly Payments	7.00%	Fixed
Used Vehicles - 2000 & Older - With Approved Credit	36 Months - As Low As	Monthly Payments	7.75%	Fixed
Signature Loan - With Approved Credit	12 Months - As Low As	Monthly Payments	6.00%	Fixed
Signature Loan - With Approved Credit	24 Months - As Low As	Monthly Payments	7.00%	Fixed
Signature Loan - With Approved Credit	36 Months - As Low As	Monthly Payments	8.00%	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 12/19/2008.
Rate Description	Term	Dividend Rates	APY
CD - $1,000.00 Min (PAID QUARTERLY)	6 Month - Contributing	2.75%	2.78%
CD - $1,000.00 Min (PAID QUARTERLY)	1 Year	3.00%	3.03%
CD - $1,000.00 Min (PAID QUARTERLY)	2 Year	3.25%	3.29%
CD - $1,000.00 Min (PAID QUIARTERLY)	3 Year	3.25%	3.29%
CD - $1,000.00 Min (PAID QUARTERLY)	4 Year	3.50%	3.55%

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 12/19/2008.
Rate Description	Term	Dividend Rates	APY
SAVINGS (PAID QUARTERLY)	AVERAGE BALANCES $25.01 TO $4,999.99	2.00%	2.02%
SAVINGS (PAID QUARTERLY)	AVERAGE BALANCES $5,000.00 TO $49,999.99	2.25%	2.27%
SAVINGS (PAID QUARTERLY)	AVERAGE BALANCES $50,000.00 AND ABOVE	2.50%	2.52%

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 12/19/2008.
Rate Description	Term	Dividend Rates	APY
IRA - No MIn	1 Year	3.00%	3.03%

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 12/19/2008.
Rate Description	Term	Dividend Rates	APY
Share Draft/Checking	Dividends Paid Monthly	0.75%	0.75%
MONEY MARKET ACCOUNT (PAID MONTHLY)	AVERAGE BALANCES $1,000.00 TO $4,999.99	2.00%	2.00%
MONEY MARKET ACCOUNT (PAID MONTHLY)	AVERAGE BALANCES $5,000.00 TO $49,999.99	2.25%	2.25%
MONEY MARKET ACCOUNT (PAID MONTHLY)	AVERAGE BALANCE $50,000.00 AND OVER	2.50%	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.

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