Rates

Rates

Loans | Savings | Certificates

Rates are subject to change.
Rates and Terms may vary depending on credit worthiness.
Rates quoted are the lowest with maximum discounts.

Loans	Rate	APR*	Term
Auto's 2007 and Newer	3.150	3.150	36	Calculator
Auto's 2007 and Newer	3.150	3.150	48	Calculator
Auto's 2007 and Newer	3.350	3.350	60	Calculator
Auto's 2007 and Newer	3.600	3.600	72	Calculator
Auto's 2006 and Older	5.000	5.000	24	Calculator
Auto's 2006 and Older	5.000	5.000	36	Calculator
Auto's 2006 and Older	5.350	5.350	48	Calculator
Auto's 2006 and Older	5.350	5.350	60	Calculator
Unsecured	10.500	10.500	12	Calculator
Unsecured	10.500	10.500	24	Calculator
Unsecured	11.750	11.750	36	Calculator
Unsecured	11.750	11.750	48	Calculator
Home Equity (Variable)	5.000	5.000	n/a
Fixed Second Mortgage	10.000	10.000	120	Calculator
Fixed Second Mortgage	10.000	10.000	180	Calculator

APR=Annual Pertcentage Rate
*72 months $20,000 or more (Special Rate)
*60 months (Special Rate)

These rates reflect up to .50% discounts for other services.
Some restrictions apply.
Home Equity Disclosure: No fees EXCEPT appraisal.
80% financing available.
Payments $15.00 per $1,000.00 and not less than $125.00 per month.

Second Mortgage Disclosure: No fees EXCEPT appraisal.
80% financing available.
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SAVINGS PRODUCTS

Rates are paid on the average daily balance and posted to the account monthly.

The dividend rate is variable and may change at any time as determined by the Board of Directors.

Savings	Interest Rate	APY*	Term
Regular Savings Balance $0.00 -$100.00	0.000	0.000	n/a
Regular Savings Balance $101.00 and above	0.150	0.150	n/a
Christmas Club	0.250	0.250	n/a
* Funds Manager	0.250	0.250	n/a
** Funds Manager	0.300	0.300	n/a
*** Funds Manager	0.350	0.350	n/a
**** Funds Manager	0.400	0.400	n/a
Special Savings Balance $0.00 - $100.00	0.000	0.000	n/a
Special Savings Balance $101.00 and above	0.150	0.150	n/a
Escrow Savings Balance $0.00 - $100.00	0.000	0.000	n/a
Escrow Savings Balance $101.00 and above	0.150	0.150	n/a
Individual Retirement Account
Average Daily Balance is $500 or more, but less than $9,999.99	0.200	0.200	n/a
Average Daily Balance is $10,000 or more, but less than $19,999.99	0.300	0.300	n/a
Average Daily Balance is $20,000 or more, but less than $29,999.99	0.400	0.400	n/a
Average Daily Balance is $30,000 or more	0.500	0.500	n/a
Share Draft	0.000	0.000	n/a

APY=Annual Percentage Yeild
Dividends compound monthly
All rates are variable and may change without notice.
IRA Certificates are available at stated certificate rates.
*Average daily balance is $500 or more but less than $9,999.99
**Average daily balance is $10,000 or more, but less than $24,999.99
***Average daily balance is $25,000 or more, but less than $49,999.99
**Average daily balance is $50,000 or more

SHARE CERTIFICATES
INDIVIDUAL RETIREMENT ACCOUNTS

Minimum share certificate deposit is
$1000.00. IRA certificates are
available at the following rates also.
Rates are paid on average daily balance.
The dividend rate and the annual percentage yield may change at any time, as determined by the credit union board of directors.

Early withdrawal penalty may apply.