Rates

Rates effective as of 07/04/2008 **

Loans | Savings | Certificates

Rates are subject to change.
Rates do not apply to in house refinancing
To inquire about our Low Mortgage Rates, please contact the credit union.

Loans	Rate	APR*	Term
Automobiles New/Used As Low As**	4.250	4.250	Up to 72	Calculator
Equipment Loans **As Low As	6.500	6.500	Up to 120	Calculator
Vacation Loans (seasonal)	9.950	9.950	12	Calculator
Christmas Loans (seasonal)	9.950	9.950	12	Calculator
Consolidation Loans	11.990	11.990	48	Calculator
Unsecured Loans **As Low As	9.990	9.990	48	Calculator
Overdraft Loans for Checking Accounts	15.000	15.000	12	Calculator
Shares Secured Loans	5.100	5.100	48	Calculator
VISA Card	9.750	9.750	n/a	Calculator
Motorcycle Loans - New **As Low As	5.500	5.500	60	Calculator
Motorcycle Loans - Used ** As Low As	5.500	5.500	48	Calculator
Boat/Motor/Trailers - New/Used **As Low As	5.500	5.500	60	Calculator
Travel Trailers,Camper, or Motor Homes under $15,000.00 - New/Used **As Low As	5.500	5.500	72	Calculator
Travel Trailers,Campers, or Motor Homes over $15,000.00 - New/Used ** As Low As	5.500	5.500	120	Calculator
Yacht or Houseboat over 18' - New/Used ** As Low As	5.500	5.500	120	Calculator
Yacht or Houseboat under 18' - New/Used **As Low As	5.500	5.500	60	Calculator

*APR = Annual Percentage Rate
** As low as rates will be based upon credit worthiness. Posted rates shown are not available for all terms.

Disclosures
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All dividends computed using Average Daily Balance ( ADB ). Rates are subject to change.

Savings***	Dividend Rate	APY*	Term
Regular Shares - Savings (Requires $2,000.00 ADB to earn dividend)	2.100	2.120	n/a
Regular Shares - Savings (Requires $100.00 ADB to earn Dividend)	1.250	1.260	n/a
Share Draft - Checking (Requires $2000.00 ADB to earn Dividend)	0.350	0.350	n/a
Christmas Club	1.250	1.260	n/a
Vacation Club	1.250	1.260	n/a
Education Fund (Compounded Quarterly, Paid Quarterly)	1.250	1.260	n/a
Loan Payment Shares	1.250	1.260	n/a
Loan Escrow Account	1.250	1.260	n/a

*APY = Annual Percentage Yield

Dividends compounded monthly, paid monthly

Disclosures
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All Dividends computed using Average Daily Balance (ADB). Rates are subject to change.

Certificates	Dividend Rate	APY*	Term	Min to open & earn dividend
Share Certificates	2.800	2.830	6	$1000
Share Certificates	2.850	2.880	12	$1000
Share Certificates	2.800	2.830	18	$1000
Share Certificates	2.900	2.930	24	$1000
Share Certificates	3.000	3.030	36	$1000
Jumbo Share Certificates	2.850	2.880	6	$100,000
Jumbo Share Certificates	2.900	2.930	12	$100,000
Jumbo Share Certificates	2.850	2.880	18	$100,000
Jumbo Share Certificates	2.950	2.980	24	$100,000
Jumbo Share Certificates	3.050	2.980	36	$100,00
IRA shares	2.500	2.530	n/a
IRA Share Certificates	3.000	3.030	18	$800
IRA Share Certificates	3.050	3.090	24	$800
IRA Share Certificates	3.300	3.340	36	$800
*Each additional $100,000.00 increment increases rate by .05%

*APY = Annual Percentage Yield
Dividends compounded quarterly, paid quarterly.
Disclosures
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*** Minimum balance to earn the advertised annual percentage yield (this applies if there is a minimum balance requirement for Christmas Club, Vacation Club, Education Fund, Loan Shares, and Loan Account)

*** Minimum opening deposit (required if it is greater than the minimum balance necessary to earn the advertised annual percentage yield.)

*** Fees could reduce the earnings on an account.

*** Penalty may be imposed for early withdrawal.

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