Rates

Rates

Loans| Savings| Certificates

New Auto Loans	APR*
12 months	3.70% - 3.95%
24 months	4.29% - 4.54%
36 months	4.49% - 4.74%
48 months	4.99% - 5.24%
60 months	4.99% - 5.49%

Used Auto Loans	APR*
12 months	4.20% - 4.45%
24 months	4.79% - 5.04%
36 months	4.99% - 5.24%
48 months	5.49% - 5.74%
60 months	5.49% - 5.99%

Signature Loans	APR*
12 to 48 months	12.50

*APR = Annual Percentage Rate
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Loans	Rate	APR*	Term
Home Equity Lines of Credit	6.000	6.000	180	Calculator
Floating Home LoansVariable; 30-year-term	7.000	7.100	360	Calculator
VISA Classic and VISA Equity (share secured)	15.000	15.000	n/a
VISA Gold	11.900	11.900	n/a
Unsecured Lines of Credit	14.000	14.000	n/a

*APR = Annual Percentage Rate
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Effective Jan. 22, 2008
Rates may be changed at any time.

Savings	Dividend Rate	APY*	Term
Membership Share $0 - $299.99		0.000	n/a
Membership Share $300 - $999.99	0.150	0.150	n/a
Membership Share $1000 - $2499.99	0.150	0.150	n/a
Membership Share $2500 - $9999.99	0.200	0.200	n/a
Membership Share $10000 and above	0.200	0.200	n/a
Junior Jump Account (ages 0 - 12) $25.00 and above	0.750	0.750	n/a
Teen Jump Account (ages 13 - 17) $25.00 and above	0.750	0.750	n/a
Market Daily $2500 - $7499.99	1.000	1.000	n/a
Market Daily $7500- $9999.99	1.250	1.260	n/a
Market Daily $10000 and above	1.250	1.260	n/a
Share Draft Account $0 - $999.99		0.000	n/a
Share Draft Account $1000 and above	0.100	0.100	n/a
Christmas Club $5.00 and above	2.000	2.000	n/a
IRA Shares - Roth/Traditional/ESA $5 - $4999.99	1.000	1.000	n/a
IRA Shares - Roth/Traditional/ESA $5000 - $9999.99	1.250	1.260	n/a
IRA Shares - Roth/Traditional/ESA $10000 and above	1.350	1.360	n/a

*APY = Annual Percentage Yield
Your funds are fully insured (up to $100,000.00) by the NCUSIF (National Credit Union Share Insurance Fund) an agency of the federal government.
The above accounts are variable rate accounts.
Dividends are declared and paid monthly on all accounts.
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Effective Dec. 17, 2008
Rates may be changed at any time.

Certificates	Minimum Deposit	Interest Rate	APY*	Term
IRA Certificates Roth/Traditional/Educational $300	$300	3.000	3.040	12
IRA Certificates Roth/Traditional/Educational $2500	$2500	3.000	3.040	12
IRA Certificates Roth/Traditional/Educational $10000	$10000	3.000	3.040	12
IRA Certificates Roth/Traditional/Educational $25000.01	$25000.01	3.000	3.040	12
IRA Certificates Roth/Traditional/Educational $300	$300	3.200	3.250	24
IRA Certificates Roth/Traditional/Educational $2500	$2500	3.200	3.250	24
IRA Certificates Roth/Traditional/Educational $10000	$10000	3.200	3.250	24
IRA Certificates Roth/Traditional/Educational $25000.01	$25000.01	3.200	3.250	24
IRA Certificates Roth/Traditional/Educational $300	$300	3.400	3.450	36
IRA Certificates Roth/Traditional/Educational $2500	$2500	3.400	3.450	36
IRA Certificates Roth/Traditional/Educational $10000	$10000	3.400	3.450	36
IRA Certificates Roth/Traditional/Educational $25000.01	$25000.01	3.400	3.450	36
Certificates of Deposit $300	$300	2.400	2.430	3
Certificates of Deposit $2500	$2500	2.400	2.430	3
Certificates of Deposit $10000	$10000	2.400	2.430	3
Certificates of Deposit $25000.01	$25000.01	2.400	2.430	3
Certificates of Deposit $300	$300	2.600	2.630	6
Certificates of Deposit $2500	$2500	2.600	2.630	6
Certficiates of Deposit $10000	$10000	2.600	2.630	6
Certificates of Deposit $25000.01	$25000.01	2.600	2.630	6
Certificates of Deposit $300	$300	3.200	3.250	12
Certificates of Deposit $2500	$2500	3.200	3.250	12
Certificates of Deposit $10000	$10000	3.200	3.250	12
Certificates of Deposit $25000.01	$25000.01	3.200	3.250	12
Certificates of Deposit $300	$300	3.400	3.450	24
Certificates of Deposit $2500	$2500	3.400	3.450	24
Certificates of Deposit $10000	$10000	3.400	3.450	24
Certificates of Deposit $25000.01	$25000.01	3.400	3.450	24
Certificates of Deposit $300	$300	3.600	3.660	36
Certificates of Deposit $2500	$2500	3.600	3.660	36
Certificates of Deposit $10000	$10000	3.600	3.660	36
Certificates of Deposit $25000.01	$25000.01	3.600	3.660	36

*APY = Annual Percentage Yield
Your funds are fully insured (up to $100,000.00) by the NCUSIF (National Credit Union Share Insurance Fund) an agency of the federal government.
Dividends are declared and paid monthly on all accounts.
All Certificates of Deposit are automatically renewed at maturity at the current rate at that time.
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