**Loan Rates      ***Please see examples of repayment terms below Effective: 6/30/11 Type Loan Amount Maximum Term Available Annual Percentage Rate Personal   60 months 12.75% Share Secured  under $20,000 84 months pledged rate + 2.50% Share Secured  $20,000 and over 120 months pledged rate + 3.50% New Auto includes demos & refinances of new auto loans from other institutions under $20,000 60 months 3.95%*  90% financing 4.25%* 100%financing $20,000 and over 72 months Rates same as above     Used Auto (up to 6 years old) under $20,000 60 months 4.95%*  90% financing 5.25%* 100%financing $20,000 and over    72 months           Rates same as above   Older Used Vehicle (7-25 years old)  We finance up to 80% of NADA retail value 60 months 7.99%* up to 80% financing RV/Mobile Home under $40,000 84 months 8.00% $40,000 and over only 144 months 9.00% Visa® Credit Card $500.00 (Minimum Credit Line) $15,000.00 (Maximum Credit Line) click here then scroll down for APR Home Improvement Loan Up to $25,000 Over $25,000 2 signatures 72 months 84 months 9.99%  Tuition Loan   60 months 10.50% Debt Consolidation Loan   60 months 11.75%  Rates are subject to change at any time without notice. *Percentage of financing is based on NADA book value. **Note: Certain loans may be on special.  Please contact the Credit Union for details. ***Examples of repayment terms (when first payment is due 30 days after loan date):   Personal Loan (with 12.75%APR) - 48 monthly payments of $26.71 per $1,000 borrowed New Auto Loan (with 3.95%APR) - 60 monthly payments of $18.39 per $1,000 borrowed Home Improvement Loan (with 9.99%APR) - 84 monthly payments of $16.60 per $1,000 borrowed (84 mo term for loans over $25,000 only & 2 signatures are required)                                                 Please use our loan calculator to calculate monthly payments for your individual specifications.

Saving Rates     Effective: 6/1/11 Account Minimum Balance  Term (in months) Dividend Rate Annual Percentage Yield Accurate as of 6/1/11  Savings* $25.00   0.20% 0.20% Club Accounts*     0.20% 0.20% Term Share Certificates**  $1,000.00 to $79,999.99 12 months   .60%  .60% 18 months  .75% .75% 24 months 1.00% 1.00%       Existing rollovers only**    6 months             .40%                                         .40% Existing rollovers only**   15 months             .70%                                         .70% *For Savings and Club Accounts, rates are subject to change after account is opened.  Fees could reduce the earnings on the account.

**For Certificates, early withdrawal penalties apply.  Fees could reduce the earnings on the account.

All rates are subject to change at any time without notice.