Rates

Loans | Savings | Certificates

Loans	Interest Rate	Annual Percentage Rate	Term
Share Secured Loans - 2% higher than the regular share rate		0.000	144
Certificate Secured Loans - 2% higher than the certificate rate		0.000	144
New Vehicles (48 months or less)	4.250	4.250	48	Calculator
New Vehicles ( 49 to 60 months)	4.500	4.500	60	Calculator
New Vehicles ( 61 to 72 months)	5.100	5.100	72	Calculator
Used Vehicles (36 months or less)	4.590	4.590	36	Calculator
Used Vehicle (36 to 60 months)	4.790	4.790	60	Calculator
Used Vehicle (61 to 72 months)	5.390	5.390	72	Calculator
Home Equity Line of Credit (Variable Interest Rate)	5.000	5.000	n/a	Calculator
1st Lien Mortgage Loans (Under 5 years)	4.490	4.490	60	Calculator
1st Lien Mortgage Loans (5 to 10 years)	4.790	4.790	120	Calculator
1st Lien Mortgage Loans (10 to 15 years)	4.990	4.990	180	Calculator
1st Lien Mortgage Loans (15 to 20 years)	5.490	5.490	240	Calculator
2nd Lien Mortgage Loans (Under 5 years)	4.990	4.990	60	Calculator
2nd Lien Mortgage Loans (5 to 10 years)	5.290	5.290	120	Calculator
2nd Lien Mortgage Loans (10 to 15 years)	5.490	5.490	180	Calculator
2nd Lien Mortgage Loans (15 to 20 years)	5.990	5.990	240	Calculator
Unsecured Loans (up to $5000 per member)	9.900	9.900	36	Calculator
VISA Purchases	9.900	9.900	n/a	Calculator

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Savings	Dividend Rate	Annual Percentage Yield	Term
Regular Shares	0.500	0.510	n/a
Christmas Club	0.500	0.510	n/a
Vacation Club	0.500	0.510	n/a
IRA Share Account (Under $500)	0.500	0.510	n/a
Checking Account	0.010	0.010	n/a

The Annual Percentage Yield is accurate as of June 22, 2010

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There is a penalty for early withdrawals on certificates. A 30 day interest penalty will apply to early withdrawals on all certificates with the exception of the 2 year certificate which has a 90 day interest penalty.

Certificates	Dividend Rate	Annual Percentage Yield	Term
1 Year Compounding Certificate - Minimum Deposit $1,000	1.000	1.010	12
2 Year Certificate - Minimum Deposit $1,000	1.500	1.500	24
Mini-Jumbo - 1 Year Certificate - Minimum Deposit $50,000	1.100	1.100	12
High Yield - 1 Year Certificate - Minimum Deposit $10,000	1.050	1.050	12
1 Year Certificate - Non Compounding - Minimum Deposit $1,000	0.950	0.950	12
180 Day Certificate - Minimum Deposit $2,500	0.750	0.750	6
90 Day Certificate - Minimum Deposit $2,500	0.600	0.600	3
IRA Certificate - Minimum Deposit $500	1.050	1.060	12

The Annual Percentage Yield is accurate as of June 22, 2010

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