Current Rates Effective July 23

Dividend
Regular Shares
Club Shares
Share Draft

Super Share
Super Share
Super Share
Super Share

CD - 5 months
CD - 6 months
CD - 9 months
CD - 12 months
CD - 15 months
CD - 24 months
CD - 30 months
IRA

Min. Bal.
$25
$1

$3,000-$24,999
$25,000-$49,999
$50,000 - $74,999
$75,000 +

$500
$500
$500
$500
$500
$500
$500
Variable

APR*
0.40%
0.40%
0.10%

0.65%
0.90%
0.99%
1.14%

1.14%
1.14%
1.24%
1.39%
1.49%
1.98%
2.13%
1.49%

APY*
0.40%
0.40%
0.10%

0.65%
0.90%
1.00%
1.15%

1.15%
1.15%
1.25%
1.40%
1.50%
2.00%
2.15%
1.50%

Be sure to let you family and coworkers know about these great rates, and that they may be able
to join the credit union and take advantage of the same fantastic benefits!

*APR = Annual Percentage Rate ~ APY = Annual Percentage Yield

VISA Card ~ no annual fee
SPECIAL RATE 9.90%

Loans
Personal Loan - up to 48 months
Personal Signature Loan - Revolving
Secured by Stock
Secured by Stock & Shares
Secured by Shares - up to 120 months
Vacation or Christmas Loan - up to 12 months
Computer Loans - up to 25 months
Consolidation Loans - up to 48 months
APR*
9.00% - 16.50%
10.50% - 16.50%
7.50%
7.50%
4.50%
6.65% - 11.90%
4.75% - 10.00%
7.70% - 14.70%

Car Loans

100% Financing on NASD Average, plus tax and tags
New Car Loans		Used Car Loans Model Year
Up to 60 months Up to 72 months	4.50% - 8.00% 5.25% - 8.75%	2009 and 2008 2007 2006 2005 2005 2004 2004 2003 2003 2002 2002	Up to 60 Months Up to 60 Months Up to 60 Months Up to 36 Months Up to 60 Months Up to 36 Months Up to 60 Months Up to 36 Months Up to 60 Months Up to 36 Months Up to 60 Months	5.25% - 8.75% 5.50% - 9.00% 5.75% - 9.25% 6.00% - 9.50% 6.25% - 9.75% 6.25% - 9.75% 7.25% - 10.75% 6.50% - 10.00% 8.25% - 11.75% 6.75% - 10.25% 9.25% - 12.75%

**Mini Home Equity Loans**
Loan to Value (LTV) of 80% Up to 60 Months Up to 120 Months Up to 180 Months	APR* As low as 4.49% As low as 5.49% As low as 6.49%

Your Annual Percentage Rate may vary depending on your creditworthiness.
Please ask a loan officer for details regarding how your rate is determined.

Rates are subject to change without notice
*APR = Annual Percentage Rate ~ APY = Annual Percentage Yield