Savings Rates

Share Accounts
Effective Date: Current as of 3/01/12
Share Account	APR*	APY*	Compounded
Regular Share*	0.15%	0.15%	Quarterly
Christmas Club*	0.15%	0.15%	Quarterly
Vacation Club*	0.15%	0.15%	Quarterly
Share Secured*	1.00%	1.00%	Monthly
IRA*	0.30%	0.30%	Monthly
Roth IRA*	0.30%	0.30%	Monthly
88 & 89 Deposit Account ($500 - $9,999) Tier 1 Min. Bal. of $500 to earn dividends	0.30%	0.30%	Monthly
88 & 89 Deposit Account ($10,000 - $49,999) Tier 2 Min. Bal. of $10,000 to earn dividends	0.40%	0.40%	Monthly
88 & 89 Deposit Account ($50,000+) Tier 3 Min. Bal. of $50,000 to earn dividends	0.50%	0.50%	Monthly
APR is Annual Percentage Rate. APY is Annual Percentage Yield *You must have a minimum balance of $100 to earn dividends on these accounts.

Certificates of Deposit
Effective Date: Current as of 4/18/12
Minimum Balance	Term	APR*	APY*
$1,000.00
	6 Months	0.35%	0.35%
	12 Months	0.50%	0.50%
	24 Months	0.75%	0.75%
	36 Months	1.00%	1.00%
	48 Months	1.29%	1.30%
$25,000.00
	6 Months	0.45%	0.45%
	12 Months	0.60%	0.60%
	24 Months	0.85%	0.85%
	36 Months	1.10%	1.10%
	48 Months	1.39%	1.40%
*APR is Annual Percentage Rate. APY is Annual Percentage Yield.

Rates are subject to change without notice. Penalty for early withdrawal. Dividends are compounded quarterly and paid quarterly.
Annual Percentage Yield is a percentage reflecting the total amount of dividends paid on an account, based on the rate and frequency of compounding for a 365 day period. This yield assumes a set amount is on deposit at the beginning of the dividend period, no deposits or withdrawals are made, and funds remain on deposit for one full year at the same rate.

Loan Rates

New & 1 Year Old Vehicles
Effective Date: Current as of 3/28/12
100% Financing available for those who qualify on New Vehicles/Recreational Vehicles. A minimum down payment of 10% of the purchase price (delivered) may be required on any New Vehicle/Recreational Vehicle. Down payment may be considered as cash and/or trade in, and/or shares as security.
Term	Rates As Low As
1-48 Months	2.85%
49-60 Months	3.35%
61-72 Months	4.35%
48 monthly payments of $22.07 per $1000 borrowed at 2.85% APR. APR is Annual Percentage Rate.

Used Vehicles
Includes Automobiles, Vans, Trucks, or Motorcycles purchased or refinanced from another financial institution. 100% Financing of the NADA retail price, or appraised value available for those who qualify on all Used Vehicles/Recreational Vehicles. A minimum down payment of 10% of the NADA retail price or appraised value may be required on any Used Vehicle/Recreational Vehicle. Down payment may be considered as cash and/or trade in, and/or shares as security.
Name	Term	Rates As Low As
2-3 Years Old
	48 Months	4.65%
	60 Months	4.90%
	72 Months	5.40%
4-5 Years Old
	36 Months	5.15%
	48 Months	5.40%
	60 Months	5.90%
6 Years Old
	36 Months	6.15%
	48 Months	6.40%
All Others
	36 Months	8.15%
Classic Cars
	At the discretion of the CU. Not to exceed 48 months. May require written appraisal	7.20%

Recreational Vehicles
Motor Homes, Boats, Travel Trailers, Campers, Farm Equipment.
Name	Term	Rates As Low As	Amount Financed
New and 1 Year Old
	Up to 60 Months	5.65%	$0-10,000
	61 to 84 Months	6.40%	$10,001 - 20,000
	85 to 120 Months	6.90%	$20,001 - 30,000
	121 to 144 Months	7.40%	$30,000+
Used 2+ Years Old
	Up to 60 Months	5.75%	$0-10,000
	61 to 84 Months	6.50%	$10,001 - 20,000
	85 to 120 Months	7.00%	$20,001 - 30,000
	121 to 144 Months	7.50%	$30,000+

Other Recreational Vehicles
ATV's, Snowmobiles, Jet Ski's, Dirt Bikes, Lawnmowers.
Name	Term	Rates As Low As	Amount Financed
New and 1 Year Old
	Up to 36 Months	6.75%	$0-10,000
	37 to 48 Months	7.00%	$0-10,000
	49 to 60 Months	7.25%	$10,001+
Used 2+ Years Old
	Up to 36 Months	7.50%	$0-10,000
	37 to 48 Months	7.75%	$0-10,000
	49 to 60 Months	8.00%	$10,001+
36 monthly payments of $30.77 per $1000 borrowed at 6.75% APR.

Signature Loans
Loans on signature alone, for any reasonable purpose. No security required.
Term	Rates As Low As
36 Months	10.70%
48 Months	11.70%
60 Months	12.70%
No longer than 60 Months. Members who qualify may borrow up to $5,000. 36 monthly payments of $32.60 per $1000 borrowed at 10.70% APR.

Fixed Rate Home Equity Loans
Low, competitive rate of interest. Can be used for any reason. Interest may be tax deductible. Fixed rate of interest.
Term	Rate
60-120 Months	5.85%
121-180 Months	6.10%
LTV: 80% of SEV or Appraised Value (less amount owed) up to $50,000. 80% of SEV or Appraised Value $50,001 - $75,000. No application fee. No annual fee.

Share Secured Loans
100% share secured loans may be obtained up to 20 years with a four year balloon clause at 3.00% above current share rate.
Term	Shares	Rate
1 - 60 Months	50%	5% above current share rate
1 - 60 Months	75%	4% above current share rate
1 - 60 Months	100%	3% above current share rate
81 Account Share Secured Loan: Shares to receive a 1.00% dividend. Loan term up to 84 months at 3.50%.

Mortgage Loans
First Lien, Member-occupied, Single Family.
Term	Base Rates
Up to 10 Years	5.35%
10 Years, 1 Day - 15 Years	5.60%
15 Years, 1 Day - 20 Years	5.85%
20 Years, 1 Day - 30 Years	6.10%
120 monthly payments of $10.78 per $1000 borrowed at 5.35% APR.

APR is Annual Percentage Rate. APY is Annual Percentage Yield.
Rates & Terms are subject to change without notice. All Rates may vary based on credit history, security, term of loan, and direct deposit.

NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act

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