Rates

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Savings Rates

Dividends are based on credit union earnings and are subject to change without prior notification.
The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. Fees and / or penalties may reduce earnings on some accounts
Rates effective as of April 16, 2008

	Minimum	Dividend	APY
Share	$50.00	0.50%*	0.50%
IRA Share	$500.00	0.50%	0.50%
Money Market	$2,500.00	1.00%	1.00%
Christmas Club	NONE	0.25%*	0.25%
Vacation Club	NONE	0.25%*	0.25%
* minimum balance to earn dividend $100.00
IRA & Roth Share Certificates
12 Month Share Certificate	$500.00	2.10%	2.10%
36 Month Share Certificate	$500.00	2.65%	2.65%
Regular Share Certificates
6 Month Share Certificate	$500.00	2.00%	2.00%
12 Month Share Certificate	$500.00	2.10%	2.10%

Loan Rates

APR = Annual Percentage Rate
Rates are based on individual credit history and term
Rates are subject to change without notice
Rates effective as of April 16, 2008

Type of Loan	Term	APR
New Auto Loans	24 Month 36 Month 48 Month 60 Month 72 Month 120 Month	4.50%-14.75% 4.75%-15.00% 5.00%-15.25% 5.25%-15.50% 5.75%-16.00% 6.75%-17.00%
Used Auto Loans	24 Month 36 Month 48 Month 60 Month 72 Month	4.50%-14.75% 4.75%-15.00% 5.00%-15.25% 5.25%-15.50% 5.75%-16.00%
Other Collateral Loans	24 Month 36 Month 48 Month 60 Month 72 Month	4.50%-14.75% 4.75%-15.00% 5.00%-15.25% 5.25%-15.50% 5.75%-16.00%
Personal Loans	Open-end	9.90%-18.00%
Line of Credit		12.95%
Overdraft Protection		12.95%
Home Equity Fixed Rate	5 to 9 years 10 to 14 years 15 years	6.50% - 15.00% 6.75% - 15.00% 7.00% - 15.00%
Home Equity Variable Rate	15 year with 5 year draw	Call CU for current rate
Share Secured	60 Month	3% over share dividend (Floor_4%)

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