Rates/Fees

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Rates as of July 1, 2008 - subject to change

Loans

APR*

New and Used Vehicle Loans –

including Motorcycles, Jet Ski and RV’s

6.99 – 14.99%

Personal Loans

10.99 – 18.00%

Co-Maker Loans

18.00%

VISA Classic Credit Card

10.90%

VISA Platinum Credit Card

9.90%

Variable and Adjustable Rate Mortgage Loans
Rates will vary, please call for details

Home Equity Lines of Credit
Rates will vary, please call for details

*APR = Annual Percentage Rate. Rates and terms may change without notice.

Rates are based on your creditworthiness at the time of application.

There may be special rates or programs available. Please ask an Account Manager for details.

Payment examples below are for principle and interest only. Amount does not include taxes or insurance.

Rates as of July 1, 2008 - subject to change

Certificates

Minimum

Deposit

Dividend

Rate

APY*

Term

6 month Certificate

$500

3.10

3.14

6

12 month Certificate

$500

3.20

3.24

12

6 month Certificate
$10,000

3.15

3.19

6

12 month Certificate
$10,000

3.30

3.34

12

6 month Jumbo Certificate
$50,000

3.20

3.24

6

12 month Jumbo Certificate

$50,000

3.35

3.39

12

*APY = Annual Percentage Yield. Rates and terms may change without notice. Certificate rates may change weekly and without notice. You will receive a quarterly statement showing any and all transactions made on your accounts. The above rates are variable and are subject to change after the account has been opened. The APY is based on the assumption that minimum balance and other requirements will be met. A penalty will or may be imposed for early withdrawal on specific accounts. Any fees applied to the accounts can reduce the earnings on the accounts. Your statement will show the actual Annual Percentage Yield Earned (APYE). This may be different from the APY if the actual conditions are different from the above assumptions. Please check your Member Services Agreement Booklet for additional terms and conditions.

30 yr. fixed mortgage payment example: With an interest rate of 7% APR, monthly payment would be $666 on $100,000 loan.

15 yr. fixed mortgage payment example: With an interest rate of 6.75% APR, monthly payment would be $886 on $100,000 loan.

Savings
Minimum

Balance

Dividend

Rate

APY*

Savings Account - with balances of $25 - $2,500

$25.00

.25

.25

Savings Account - with balances of $2,500 - $10,000

.75

.753

Savings Account - with balances of $10,000 or more

1.00

1.005

Christmas Club and Life Savings Insurance Accounts

1.00

1.005

Checking Account

.50

.50

IRA's (Individual Retirement Account)
3.00

3.045

Money Market Account - balances with $500 - $24,999

2.25

2.275

Money Market Account - balances with $25,000+
2.85

2.891

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