Member Rates - Account Rates, CD Rates, IRA Rates, Loan Rates

Account Rates | CD Rates | IRA Rates | Loan Rates

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Effective 10/27/09

Account Rates

Type of Account	Current Quarter Anticipated Rates
Regular Share: Less than $100.00 - $100.00 - $5,000.00 - Over $5,000.00 - Accumulative IRA -	0.00% 0.50% 0.75% 0.75%
Christmas Club: Same as Regular Shares (min. balance $5.00)	0.75%
Vacation Club: Same as Regular Shares (min. balance $5.00)	0.75%
Share Draft: Less than $400.00 - $400.00 and Over -	0.00% 0.00%

Effective 10/27/09

Share Certificates of Deposit

Term of Certificate	Rates	APY*
6 Months	0.75%	0.75%
1 Year	0.90%	0.90%
2 Years**	1.75%	1.76%
3 Years**	2.00%	2.02%

Individual Retirement Accounts (IRAs)

Term of Account	Rates	APY*
1 Year	2.00%	2.00%
2 Years**	2.50%	2.52%
3 Years**	2.75%	2.78%

* APY = Annual Percentage Yield
** Member may add to these certificates one time during term.

Effective 10/27/09

Loan Rates

Type of Loan	Terms and Conditions	Rate
Unsecured 10% of Gross Annual Salary-Not to exceed $5,000	Up to 24 Months 25 to 48 Months	13.00% 14.50%
MasterCard	Revolving	12.00%
New Auto/Truck (100% financing available)	Less than 15, 000 miles 2009-2010-Up to 60 months 2009-2010-Up to 72 months (minimum loan $18,000)	3.90% Limited Time! 5.49%
Used Auto/Truck (Finance NADA Trade-in /Wholesale value)	2005-2009-Up to 60 months 2001-2004-Up to 48 months Up To 2000- up to 36 months	4.90% Limited Time! 6.75% 7.25%
New Boats (80% financing available)	2009-2010-Up to 48 months 2009-2010-Up to 60 months 2009-2010-Up to 72 months	6.00% 6.75% 7.25%
Used Boats (Finance NADA Trade- In/Wholesale value)	2008-2009-Up to 60 months 2005-2007-Up to 54 months 2001-2004-Up to 48 months Up to 2000-Up to 36 months	7.00% 7.25% 7.50% 7.75%
New Motor Homes	2009-2010-Up to 180 months (100% financing)	6.50%
Used Motor Homes (Finance NADA Trade-In/Wholesale Value)	2004-2009-Up to 120 months 1998-2003-Up to 72 months Up to 1997-Up to 60 months	6.50% 6.75% 7.25%
Other New RV's, Travel Trailers, ATV's (100% Financing, if amount of financing is at least $15,000)	Up to 84 Months Under $15,000 Same as New Auto/Truck	6.75% 5.50% 6.75%
Other Used RV's, Travel Trailers, ATV's (Finance NADA Trade-In/Wholesale Value)	2008-2009-Up to 60 Months 2005-2007-Up to 54 Months 2001-2004-Up to 48 months Up to 2000-Up to 36 months	6.25% 6.50% 6.75% 7.25%
Motorcycle Loans	New Up to 72 Months Used 2007-2009-Up to 60 Months 1998-2006-Up to 54 months	7.25% 7.50% 7.75%
Farm/Garden Equipment	New Up to 48 Months Used Up to 36 months	7.00% 7.50%
Share or Share Certificate Secured (Minimum of 4.0% or 3.0% over earnings rate whichever is greater)	Up to 60 months	Variable

NOTE:

When Financing 80% or more on vehicle loans (autos, trucks, motorcycles, and watercraft) GAP Insurance is encouraged. Fee of $250 is for life of loan and excludes RV's.

EXISTING LOANS WITH THE CREDIT UNION ARE NOT ELIGIBLE
FOR THESE RATES.

Loan rates subject to change due to market conditions and are based on your credit worthiness and credit qualifications. Please contact the credit union for a current quote.

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