Rate Information

**ALL RATES ARE SUBJECT TO CHANGE**

Note:These are our ‘best’ rates. Your rate may vary.
Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Loan Application

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

Loan Rates

Rates as of 8/9/2010.
Rate Description	Term	Payment Description	APR	APR Type
2010 - 2009VEHICLES	36 MONTHS	Payments of $29.53 per $1000	3.500*	Fixed
2010 - 2009 VEHICLES	48 MONTHS	Payments of $22.76 per $1000	4.40%	Fixed
2010- 2009 VEHICLES	60 MONTHS	Payments of $18.69 per $1000	4.60%	Fixed
2008 - 2007 VEHCILES	36 MONTHS	Payments of $29.75 per $1000	4.50%	Fixed
2008- 2007 VEHICLES	48 MONTHS	Payments of $23.03 per $1000	5.00%	Fixed
2008 - 2007	60 MONTHS	Payments of $19.10 per $1000	5.50%	Fixed
2006- 2005VEHICLES	36 MONTHS	Payments of $29.97 per $1000	5.00%	Fixed
2006- 2005 VEHICLES	48 MONTHS	Payments of $23.14 per $1000	5.25%	Fixed
2004- 2003 VEHICLES	36 MONTHS	Payments of $30.20 per $1000	5.50%	Fixed
2004- 2003VEHICLES	48 MONTHS	Payments of $23.49 per $1000	6.00%	Fixed
2002 & OLDER VEHICLES	36 MONTHS	Payments of $30.99 per $1000	7.25%	Fixed
2002 & OLDER VEHICLES	48 MONTHS	Payments of $24.30 per $1000	7.75%	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 8/9/2010.
Rate Description	Term	Dividend Rates	APY
Share Certificate	3 Month	0.84%	0.85%
Share Certificate	6 Months	0.99%	1.00%
Share Cert	12 Months	1.24%	1.25%
Share Certificate	18 Months	1.49%	1.50%
Share Cert	24 Months	1.83%	1.85%
Share cert	36 Months	2.47%	2.50%
Certificate	48 Months	2.86%	2.90%

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 8/9/2010.
Rate Description	Term	Dividend Rates	APY
Regular	Quarterly	1.10%	1.10%
Xmas club	Quarterly	0.75%	0.75%
Misc club	Quarterly	0.75%	0.75%

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 8/9/2010.
Rate Description	Term	Dividend Rates	APY
Share draft		0.00%	0.00%

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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