Rate Information

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

Loan Rates

Rates as of 2/1/2012.
Rate Description	Term	Payment Description	APR	APR Type
SIGNATURE $5000 MAXIMUM	36 MONTHS	$32.75 per $1000 borrowed	11.00%	Fixed
SIGNATURE $5000 MAXIMUM	48 MONTHS	$26.35 per $1000 borrowed	12.00%	Fixed
COMAKER UP TO $7500	60 MONTHS	$22.77 per $1000 borrowed	13.00%	Fixed
NEW VEHICLE	72 MONTHS	$15.89 per $1000 borrowed	4.50%	Fixed
USED VEHICLE	60 MONTHS	$18.88 per $1000 borrowed	5.00%	Fixed
SHARE SECURED	60 MONTHS	$19.11 per $1000 borrowed	5.50%	Fixed
SPECIALS	12 MONTHS	$87.94 per $1000 borrowed	10.00%	Fixed
DEBIT CARD OVERDRAFT LOAN	12 MONTHS	$90.28 per $1000 borrowed	15.00%	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 2/1/2012.
Rate Description	Term	Dividend Rates	APY
$1000 MINIMUM	12 MONTHS	0.50%	0.50%

NOTE: Penalty required for early withdrawal.
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 2/1/2012.
Rate Description	Term	Dividend Rates	APY
SAVINGS	QUARTERLY	0.10%	0.10%
CHRISTMAS CLUB	QUARTERLY	0.10%	0.10%
VACATION CLUB	QUARTERLY	0.10%	0.10%

IRAs

Rates as of 2/1/2012.
Rate Description	Term	Dividend Rates	APY
TRADITIONAL IRA	QUARTERLY	0.80%	0.80%
ROTH IRA	QUARTERLY	0.80%	0.80%
CONDUIT IRA	QUARTERLY	0.80%	0.80%
EDUCATIONAL IRA	QUARTERLY	0.80%	0.80%

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 2/1/2012.
Rate Description	Term	Dividend Rates	APY
DRAFT/CHECKING		0.00%	0.00%