**Loan Rates      ***Please see examples of repayment terms below Effective: 12/15/09 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   Antique/Unique Vehicle  We finance up to 90% of NADA retail value  60 months 8.00%* 80% financing  9.00%* 90% financing Older Used Vehicle (7-19 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) see Products Page for APR Home Improvement Loan Up to $25,000 Over $25,000 72 months 84 months   9.99%   Tuition Loan   60 months 10.50% Higher Education Loan   60 months 10.50% Debt Consolidation Loan     60 months  11.75% *Percentage of financing is based on NADA book value. **Note: Certain loans may be on special.  Please contact the Credit Union for details.   Rates are subject to change at any time. ***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)                                                 Please use our loan calculator to calculate monthly payments for your individual specifications.

Saving Rates     Effective: 6/22/10 Account Minimum Balance Term Dividend Rate Annual Percentage Yield Savings* $25.00   0.30% 0.30% Club Accounts*     0.30% 0.30% Term Share Certificates**  $1,000.00 12 months   .85%  .85% 18 months 1.00% 1.00% 24 months 1.10% 1.11% Super Jumbo Certificate** $80,000.00 Call Credit Union for details           *For Savings and Club Accounts, rates are subject to change after account is opened

**For Certificates, early withdrawal penalties apply