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

Loan Rates
Rates as of 8/16/2010.
Rate Description Term Payment Description APR APR Type
New Auto/Truck/Motorcycle/ RV/Boat - Models Up To 3 Years Old - 100% Financing 24 Months $43.09 per $1,000 per month Rates As Low As 3.24% Fixed
New Auto/Truck/Motorcycle/ RV/Boat - Models Up To 3 Years Old - 100% Financing 36 Months $29.42 per $1,000 per month Rates As Low As 3.74% Fixed
New Auto/Truck/Motorcycle/ RV/Boat - Models Up To 3 Years Old - 100% Financing 48 Months $22.59 per $1,000 per month Rates As Low As 4.00% Fixed
New Auto/Truck/Motorcycle/ RV/Boat - Models Up To 3 Years Old - 100% Financing 60 Months $18.42 per $1,000 per month Rates As Low As 4.00% Fixed
New Auto/Truck/Motorcycle/ RV/Boat - Models Up To 3 Years Old - 100% Financing 72 Months $23,000 Minimum $15.88 per $1,000 per month Rates As Low As 4.50% Fixed
New RV/Boat - Models Up To 3 Years Old - 100 % Financing 84 Months $15,000 Minimum $14.38 per $1,000 per month Rates As Low As 5.50% Fixed
New RV/Boat - Models Up To 3 Years Old - 100% Financing 120 Months $20,000 Minimum $11.11 per $1,000 per month Rates As Low As 6.00% Fixed
New RV/Boat - Models Up To 3 Years Old - 100% Financing 180 Months $25,000 Minimum $8.72 per $1,000 per month Rates As Low As 6.50% Fixed
Used Auto/Truck/Motorcycle/ RV/Boat - 100% of NADA Retail Price 24 Months $43.43 per $1,000 per month Rates As Low As 4.00% Fixed
Used Auto/Truck/Motorcycle/ RV/Boat - 100% of NADA Retail Price 36 Months $29.64 per $1,000 per month Rates As Low As 4.25% Fixed
Used Auto/Truck/Motorcycle/ RV/Boat - 100% of NADA Retail Price 48 Months $22.81 per $1,000 per month Rates As Low As 4.50% Fixed
Used Auto/Truck/Motorcycle/ RV/Boat - 100% of NADA Retail Price 60 Months $15,000 Minimum $18.76 per $1,000 per month Rates As Low As 4.75% Fixed
Used RV/Boat - 100% Financing of NADA Retail Price 84 Months $15,000 Minimum $14.50 per $1,000 per month Rates As Low As 5.75% Fixed
Used RV/Boat - 100% Financing of NADA Retail Price 120 Months $20,000 Minimum $11.36 per $1,000 per month Rates As Low As 6.50% Fixed
Untitled Vehicles - Such As - Snowmobiles, 4 Wheelers, Jet Skies, etc Up to 36 Months $30.43 per $1,000 per month Rates As Low As 6.00% Fixed
Personal Loans Up to 60 Months $19.69 per $1,000 per month Rates As Low As 6.75% Fixed
Certificate Secured Loans Up to 120 months Call For Payments 2.00% Above Rate Earned Fixed
Share Secured Loans Up to 120 Months Call For Payments 2.25% Above Rate Earned Fixed
30% Share Secured Loans Up to 60 Months $19.46 per $1,000 per month Rates As Low As 6.25% Fixed
Holiday Loans Available October thru January 12 Months $2,000 Maximum $85.95 per $1,000 per month Rates As Low As 5.74% Fixed
Vacation Loans 12 Months $2,500 Maximum $85.95 per $1,000 per month Rates As Low As 5.74% Fixed
Computer Loans Up to 24 Months $44.21 per $1,000 per month Rates As Low As 5.74% Fixed
Overdraft Protection Revolving Limits $300 to $2,000 $50.00 minimum payment per month 12.75% Variable
Stock Secured Loans Up to 60 Months $19.87 per $1,000 per month 7.15% Fixed
VISA Gold Credit Card Revolving Limits to $20,000 Minimum payment is 2.00% of the outstanding balance per month Rates As Low As 6.25% Variable
VISA Classic Credit Card Revolving Limits to $10,000 Minimum payment is 2.00% of the outstanding balance per month Rates As Low As 6.50% Variable
Home Equity Line of Credit - VISA Credit Card Access Variable Rate 10 Years to Draw 15 Years to Repay Minimum payment is 1.00% of the outstanding balance per month 5.00% Variable
Home Equity Loans Fixed Rate 80% Financed Up to 60 Months $18.88 per $1,000 per month 5.00% Fixed
Home Equity Loans Fixed Rate 80% Financed 61 to 120 Months $10.98 per $1,000 per month 5.75% Fixed
Home Equity Loans Fixed Rate 80% Financed 121 to 180 Months $8.58 per $1,000 per month 6.25% Fixed
Home Equity Loans Fixed Rate 90% Financed Up to 60 Months $19.11 per $1,000 per month 5.50% Fixed
Home Equity Loans Fixed Rate 90% Financed 61 to 120 Months $11.36 per $1,000 per month 6.50% Fixed
Home Equity Loans Fixed Rate 90% Financed 121 to 180 Months $9.00 per $1,000 per month 7.00% Fixed
Mortgage Loans 15 Years $7.47 per $1,000 per month 4.125% Fixed
Mortgage Loans 20 Years $6.33 per $1,000 per month 4.500% Fixed
Mortgage Loans 30 Years $25.72 per $5,000 per month 4.625% 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 8/16/2010.
Rate Description Term Dividend Rates APY
Share Certificate 6 Months $1,000 Minimum 0.50% 0.50%
Share Certificate 12 Months $1,000 Minimum 0.75% 0.75%
Share Certificate 24 Months $1,000 Minimum 1.00% 1.00%
Share Certificate 36 Months $1,000 Minimum 1.50% 1.51%
Share Certificate 48 Months $1,000 Minimum 1.75% 1.76%

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 8/16/2010.
Rate Description Term Dividend Rates APY
Regular Share Account 0.50% 0.50%
Money Market Account 0.75% 0.75%
Holiday Club Account 12 Months 0.35% 0.35%
Vacation Club Account 0.35% 0.35%
Escrow Savings Account 0.35% 0.35%
Escrow Tax Account 0.35% 0.35%

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 8/16/2010.
Rate Description Term Dividend Rates APY
IRA Traditional Share Account 0.75% 0.75%
IRA Conduit Account 0.75% 0.75%
IRA Roth Share Account 0.75% 0.75%
IRA Education Share Account 0.75% 0.75%
IRA Certificate 12 Months 0.75% 0.75%
IRA Certificate 24 Months 1.00% 1.00%
IRA Certificate 36 Months 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.




                   

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