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

Loan Rates

Rates as of 2/16/2010.
Rate Description Term Payment Description APR APR Type
Signature Loan 24 - 60 months $89.80 - $91.68 PER $1,000 BORROWED OVER 12 MONTHS 14.00%-18.00% Fixed
Share Secured CD's not included $85.85 PER $1,000 BORROWED OVER 12 MONTHS 5.50% Fixed
New Auto & Rec Veh (2008,2007) 90% of sticker or book value. Up to 72 mths $86.30 - $87.69 PER $1,000 6.50% - 9.50% Fixed
NEW AUTO & REC VEH (2006 ,2005) 90% OF STICKER OR BOOK VALUE. UP TO 60 MONTHS $86.30 - $87.69 PER $1,000.00 OVER 12 MONTHS 6.50%-9.50% Fixed
USED AUTO & REC. VEH (2004,2003, 2002) 90% OF BOOK VALUE, 24-48 months $86.78 - $88.18 PER $1,000.00 BORROWED OVER 12 MONTHS 7.50% - 10.50% Fixed
USED AUTO & RECREATIONAL VEHICLES (2001 & BELOW) 90% OF BOOK VALUE,24 to 36 months $87.25 - 88.65 PER $1,000 BORROWED OVER 12 MONTHS 8.50%-11.50% Fixed
SPECIAL HOLIDAY LOANS 12 MONTHS (THRU AUG. 31) $88.88 PER $1,000 BORROWED OVER 12 MONTHS 12.00% 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 2/16/2010.
Rate Description Term Dividend Rates APY
6 MONTH CD 6 MONTHS 1.00% 1.00%
12 MONTH CD 12 MONTHS 1.25% 1.25%

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 2/16/2010.
Rate Description Term Dividend Rates APY
Regular Shares 0.50% 0.50%
Christmas Club 12 Months 0.25% 0.25%
Vacation Club 12 months 0.25% 0.25%
Restricted Shares 0.50% 0.50%

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 2/16/2010.
Rate Description Term Dividend Rates APY
Checking Account MONTHLY 0.00% 0.00%

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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