Loan Rates

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Effective January 23, 2012

Home Equity - 2nd Mortgage

Term	APR¹
5 years	as low as 6.25%^t
7 years	as low as 7.25%^t
10 years	as low as 7.50%^ts
^sA 10 year loan of $50,000 with an interest rate of 7.50% will yield a $593.51 monthly payment.

Home Equity Line of Credit - Pay No Closing Costs*

Term	APR¹
Max. 25 years	Prime + 0%**

Auto Loans

Down Payment	Approximate Term	Model/Year	APR¹
10% Down	24 Months	2011-2012	as low as 1.75%^t
	36 Months	2011-2012	as low as 2.25%^t
	48 Months	2011-2012	as low as 2.75%^t
	60 Months	2011-2012	as low as 3.25%^t
	72 Months	2011-2012	as low as 5.25%^t
	36 Months	2006 & older	as low as 2.25%^t
	Up to 48 Months	2007-2008	as low as 2.75%^t
	Up to 60 Months	2009-2010	as low as 3.25%^t
0% Down	24 Months	2011-2012	as low as 2.00%^t
	36 Months	2011-2012	as low as 2.50%^t
	48 Months	2011-2012	as low as 3.00%^t
	60 Months	2011-2012	as low as 3.50%^t
	72 Months	2011-2012	as low as 5.50%^t
	36 Months	2006 & older	as low as 2.50%^t
	Up to 48 Months	2007-2007	as low as 3.00%^t
	Up to 60 Months	2009-2010	as low as 3.50%^t

Other Loans

Type	APR¹
New Motorcycle/Personal Watercraft	as low as 8.50%^t
Used Motorcycle/Personal Watercraft	as low as 9.00%^t
New Boat	as low as 8.50%^t
Used Boat	as low as 9.00%^t
New Mobilehome	as low as 8.00%^t
Used Mobileome	as low as 8.50%^t
New Motorhome/Recreational Vehicle	as low as 8.00%^t
Used Motorhome/Recreational Vehicle	as low as 8.50%^t
Personal Loan	as low as 8.50%^t
Personal Loan Maximum Amount	$5,000
Share Secured	5.00% over the current dividend rate
¹ Rates are Annual Percentage Rate (APR) t Loan rates include a 0.25% discount for auto payroll deduction from your credit union account. * All closing costs paid for by credit union. Member must repay them only if loan is closed within the first 2 years. Annual fee $50. ** Rate is variable and is based on the prime rate as published in The Wall Street Journal. Credit Lines up to $100,000. Minimum rate: 4.00%, maximum rate: 18.00% - Rates and terms are subject to change without notice - Other loan types may be available - call or E-mail for more information - Rates based on Credit Score. Exact rate quoted at time of approval All Rates and terms are subject to change without notice. All Credit Union loans are granted on the basis of creditworthiness, ability to repay and acceptable collateral.