Rates

Rates

Loans | Mortgage | Savings | Certificates

All terms and conditions are subject to change at any time without notice.

Loans	APR*
New Autos	as low as 2.99%	Calculator
Used Autos	as low as 4.25%	Calculator
Older Used Autos	as low as 7.50%	Calculator
New Boats, RV's, Motocycles & Farm Equipment	as low as 4.84%	Calculator
Used Boats, RV's, Motorcycles & Farm Equipment	as low as 5.84%	Calculator
Lines of Credit	as low as 9.00%	Calculator

Subject to credit approval. Certain Restrictions apply.
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All terms and conditions are subject to change at any time without notice.

1st and 2nd Mortgages

Rate	Points	APR*
Call CU	0	Call CU

Home Equity Credit Line

Rate	Points	APR*
Prime +0.25%¹	0	Prime +0.25%¹

Home Equity Credit Line - 0.25% above the Prime Rate as published in the Wall Street Journal with a minimum rate of 5.50% APR. The rate as of 12/01/11 is 5.50% Annual Percentage Rate (APR). The interest rate is variable and is subject to change, but will not exceed 15.00% APR. The Credit Union pays closing costs on HELOC's. Consult your tax advisor regarding the deductibility of interest. Property insurance is required. Some additional restrictions may apply.

¹ Prime + 0.25% applies to Home Equity Lines of Credit with credit limits larger than $50,000.00. For lines with limits $50,000.00 or less, the applicable rate is Prime + 0.75%. Contact the Credit Union for complete details.
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Rates effective to Dec. 01, 2011. All terms and conditions are subject to change at any time without notice. Fees may reduce earnings.

Savings	Dividend Rate	APY*	Minimum	Dividend Compounded & Credited
Regular Share Account	0.050%	0.05%	$ 5.00	Monthly
Share Draft Checking Account			$50.00	n/a
Christmas Club Account	0.050%	0.05%	n/a	Monthly
Money Market Account**	0.050%	0.05%	$500-$2,500	Monthly
Money Market Account**	0.100%	0.10%	$2,500 -$10,000	Monthly
Money Market Account**	0.150%	0.15%	$10,000 or more	Monthly
IRA Regular Share Account*** IRA Certificates ( see below)	0.946%	0.95%		Monthly

*APY=ANNUAL PERCENTAGE YIELD
**Account Withdrawal Limitations Apply
***IRA Penalties May Apply Under Certain Conditions
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Rates effective Dec. 01, 2011. All terms and conditions are subject to change at any time without notice. Fees may reduce earnings.

Certificates / IRA Certificates Dividend Rate APY* Minimum Dividend Compounded & Credited

6 Month Share Certificate**
0.050%
0.05% $500.00 Quarterly

9 Month Share Certificate** 0.100% 0.10% $500.00 Quarterly

12 Month Share Certificate** 0.200% 0.20% $500.00 Quarterly

18 Month Share Certificate** 0.250% 0.25% $500.00 Quarterly

24 Month Share Certificate** 0.499% 0.50% $500.00 Quarterly

36 Month Share Certificate**
0.748%
0.75%
$500.00
Quarterly

48 Month Share Certificate**
1.244%
1.25%
$500.00
Quarterly

*APY=ANNUAL PERCENTAGE YIELD
**Early Withdrawal Penalties May Apply
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