Rates

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Loans | Savings | Certificates

Rates effective as of November 3, 2008

APY=Annual Percentage Yield
APR=Annual Percentage Rate

Loans	Rate	APR*	Term
Home Equity Line of Credit (Prime - 1/2% variable)	4.750	4.750	120	Calculator
New Vehicle Loan up to 84 months *As low as...	5.500	5.500	84	Calculator
Used Vehicle Loan up to 84 months *As low as...	6.500	6.500	60	Calculator
Personal Signature Loan *As low as...	9.900	9.900	48	Calculator
Overdraft Line of Credit	12.000	12.000	48	Calculator
VISA Credit Card	8.900	8.900	n/a	Calculator
Secured by Share Account (under 5 years)	3.000	3.000	60	Calculator
Secured by a Share Account (over 5 years)	4.000	4.000	120	Calculator
Secured by a Share Certificate	6.500	6.500	n/a	Calculator
*As of April 9, 2008 the Credit Union is offering a 1/2% discount on Hybrid Auto Financing!			n/a	Calculator

Home Equity Line of Credit Rate is determined ten days before the end of each calendar quarter. The rate is variable and is subject to change each quarter.

*As low as means that your loan rate will be determined by your credit qualifications. Your Loan Officer will disclose your rate based on your application information.
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APY=Annual Percentage Yield
APR=Annual Percentage Rate

Savings	Rate	APY*	Term
Share Account	0.750	0.750	n/a
Money Market Shares ($500.00 minimum balance)	1.870	1.900	n/a

APY=Annual Percentage Yield
APR=Annual Percentage Rate
All Certificates require a minimum $500.00 investment

Certificates	Rate	APY*	Term
Share Certificate--6 month term	2.870	2.900	6
Share Certificate--12 month term	2.970	3.000	12
Share Certificate--24 month term	3.070	3.100	24

Grand Opening 9-month Certificate Special Rate 4.19%, APY 4.25%

*New money or naturally maturing certificates only. Offer is for a limited time.