Rates

Loans | Savings | Certificates

Loans (RATES QUOTED ARE "AS LOW AS")	APR*	Term
New Auto Loans	6.75	72
New Auto Loans	5.70	60
New Auto Loans	5.30	48
New Auto Loans	5.00	36
Used Auto Loans - Model 2008	6.15	66
Used Auto Loans - Model 2008	5.85	60
Used Auto Loans - Model 2008	5.70	48
Used Auto Loans - Model 2007	6.75	66
Used Auto Loans - Model 2007	6.50	60
Used Auto Loans - Model 2007	6.25	48
Used Auto Loans - Model 2006	6.75	66
Used Auto Loans - Model 2006	6.50	60
Used Auto Loans - Model 2006	6.25	48
Used Auto Loans - Model 2005	9.25	60
Used Auto Loans - Model 2005	8.75	48
Used Auto Loans - Model 2004	10.25	60
Used Auto Loans - Model 2004	9.75	48
Classic Auto Loans	8.75	60
First Mortgage Nonpurchase Money 36 Month Balloon (20 yr)	7.25	240
First Mortgage Purchase Money 36 Month Balloon (30 yr)	7.25	360
Second Mortgage Loans 36 Month Balloon (20 yr)	7.25	240
Share Secured Loan	6.00
Personal Loans	9.75	12
Personal Loans	10.75	24
Personal Loans	11.75	36
Personal Loans	12.75	48
Personal Loans	13.75	60
30-60-90 Day Notes Share Secured Only	6.00
New Mobile Home Loans	11.00	120
New Mobile Home Loans	12.00	180
New Mobile Home Loans	13.00	240
Used Mobile Home Loans	12.25	84
Used Mobile Home Loans	13.75	96
Used Mobile Home Loans	14.00	120
Used Mobile Homes - Not Listed In NADA Guide	13.25	36
New RV Loans	7.25	60
New RV Loans	9.75	120
Used RV Loans	10.00	96
Used RV - Not Listed In NADA Guide	12.00	48
VISA Credit Cards (Late fee $5 - Over Limit Fee $15)	10.90	n/a
Debit Card/OD Protection	16.00	n/a
Other Personal Property	10.25	60
Seasonal Loan Special	8.75	12
Certificate Secured	3.00% above Certificate Rate

*APR=Annual Percentage Rate
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Rates subject to change without notice contact credit union to verify rates.

Share Savings Rates	Dividend Rate	APY*	Paid
Life Shares Accounts $10-$4,999.99	.50	.50	Quarterly
Life Shares Accounts $5,000-$9,999.99	.65	.65	Quarterly
Life Shares Accounts $10,000 and UP	.80	.80	Quarterly
Share Builders $10-$4,999.99	.85	.85	Quarterly
Share Builders $5,000-$9,999.99	1.00	1.00	Quarterly
Share Builders $10,000 and UP	1.19	1.20	Quarterly
Christmas Clubs	1.74	1.75	Monthly
Vacation Clubs	1.25	1.25	Monthly
I.R.A. Shares	3.46	3.50	Quarterly
Money Market Accounts up to $10,000.00	.50	.50	Monthly
Money Market Accounts $10,001.00 up to $25,000.00	.65	.65	Monthly
Money Market Accounts ABOVE $25,000.00	.80	.80	Monthly
Share Draft Accounts Over $10.00	.35	.35	Monthly
**Share Draft Accounts Over $10.00	.70	.70	Monthly

*APY=Annual Percentage Yield
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** Must have VISA Credit Card Account.
Rates subject to change without notice contact credit union to verify rates.

*APY=Annual Percentage Yield

Share Certificate Rates - 10/31/2008	Dividend Rate	APY*	Term
Share Certificate - No Compounding of Dividends	2.23	2.23	6 MO
Share Certificate - No Compounding of Dividends	2.52	2.52	12 MO
Share Certificate - No Compounding of Dividends	2.84	2.84	24 MO
Share Certificate - No Compounding of Dividends	3.45	3.45	36 MO
Share Certificate - Dividends Compounded Monthly	2.23	2.25	6 MO
Share Certificate - Dividends Compounded Monthly	2.52	2.55	12 MO
Share Certificate - Dividends Compounded Monthly	2.84	2.88	24 MO
Share Certificate - Dividends Compounded Monthly	3.45	3.50	36 MO
NOTE: $5,000.00 minimum balance and early withdrawal penalty may apply.Funds are disbursed to shares at maturity.

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Rates subject to change without notice contact credit union to verify rates.