RATES

Rates are based on "A" credit scores. See Pricing Schedule below to calculate additional rates and Loan to Value (LTV) requirements. Rates are effective as of January 16, 2013.

Notes:

Promotional rates do not apply to Indirect Dealer Program.
No other credit union discounts will apply during this promotion period.

AUTOMOBILE	24 MTHS	36 MTHS	48 MTHS	60 MTHS	72 MTHS
2011 - 2013	3.49%	3.99%	3.99%	4.49%	5.49%
2011 - 2013 (Previously Titled)	4.00%	4.25%	4.50%	5.00%	5.75%
2008 - 2010	4.50%	4.75%	5.00%	5.50%	N/A
2003 - 2007	5.50%	6.00%	6.50%	N/A	N/A
2002 & Older	6.50%	7.50%	8.50%	N/A	N/A
Vehicle Loan Details \| Calculator \| Loan Application

MOTORCYCLE	24 MTHS	36 MTHS	48 MTHS	60 MTHS	72 MTHS
2011 - 2013	5.00%	5.00%	5.00%	5.75%	6.75%
2011 - 2013 (Previously Titled)	5.50%	5.50%	5.50%	6.25%	7.25%
2008 - 2010	5.75%	6.00%	6.25%	6.75%	N/A
2003 - 2007	6.00%	6.50%	7.00%	N/A	N/A
2002 & Older	6.50%	7.00%	7.50%	N/A	N/A
Vehicle Loan Details \| Calculator \| Loan Application

RECREATIONAL VEHICLES	48 MTHS	60 MTHS	84 MTHS	96 MTHS	120 MTHS
2011 - 2013	7.00%	7.25%	7.50%	8.00%	8.50%
2007 - 2010	7.50%	7.75%	8.00%	8.50%	N/A
2006 & Older	8.00%	8.50%	9.00%	N/A	N/A
Titled Vehicles = Boats, Motor Homes, and Travel Trailers Vehicle Loan Details \| Calculator \| Loan Application

LEISURE VEHICLES	24 MTHS	36 MTHS	48 MTHS
2011 - 2013	6.50%	7.00%	7.50%
2007 - 2010	7.75%	8.50%	9.00%
2006 & Older	8.75%	9.00%	9.50%
Other & Titled Vehicles = Jet Ski, Snowmobiles, Off Road Motorcycles, Camper Tops, etc. Vehicle Loan Details \| Calculator \| Loan Application

SAVINGS TYPE	DIVIDEND RATE	APY*	TERM
Regular Share Savings Account	0.050	0.050	n/a
Christmas Club Account	0.050	0.050	n/a
Kids Club Account	0.050	0.050	n/a
IRA Accounts	0.300	0.300	n/a
More Details: Regular Share Savings \| IRAs: Traditional, Roth, Educational \| Christmas Club

Dividents Paid Quarterly. Next declaration date June 30, 2012
*APY = Annual Percentage Yield

CERTIFICATES	MINIMUM BALANCE	DIVIDEND RATE	APY*	TERM
Term Share Certificates	$1000	0.14	0.15	3
Term Share Certificates	$1000	0.24	0.25	6
Term Share Certificates	$1000	0.49	0.50	12
Term Share Certificates	$1000	0.49	0.50	18
Term Share Certificates	$1000	0.64	0.65	24
Term Share Certificates	$1000	0.74	0.75	30
Term Share Certificates	$1000	0.84	0.85†	36
Term Share Certificates	$1000	0.84	0.85†	39
Term Share Certificates	$1000	1.24	1.25†	48
Term Share Certificates	$1000	1.74	1.75†	60
Term Share Certificates Details

*APY = Annual Percentage Yield
† = Dividends are paid and compounded annually instead of a maturity.
There may be a penalty for early withdrawl.

CD SPECALS	RATE	APY*
1 Year	0.84	0.85
2 Year	.99	1.00

*APY = Annual Percentage Yield
CD rate specials apply to new money only and exclude rollovers and transfers. Rate subject to change without notice.

UNSECURED FIXED LOANS	24 MTHS	36 MTHS	48 MTHS
Personal & Debt Consolidation	8.75%	9.00%	9.25%

UNSECURED - OTHER
Personal Line of Credit - Variable	Prime + (based on credit score)
Revolving Line of Credit - Fixed	16.50%
Overdraft Line of Credit - Fixed	18.00%

HOME EQUITY
Variable	Prime + (based on credit score)
Fixed
5 Year	5.00%
7 Year	5.50%
10 Year	6.50%
15 Year	7.50%

SHARE SECURED
Share Secured	3% above pledged account. Secured shares must match loan term. Loan term up to 120 months.

MONEY MARKETS	BALANCE	DIVIDEND RATE	APY*	TERM
Money Market Account	$2,500 - $9,999	0.10	0.10	n/a
Money Market Account	$10,000 - $24,999	0.20	0.20	n/a
Money Market Account	$25,000 - $49,999	0.30	0.30	n/a
Money Market Account	$50,000 and up	0.40	0.40	n/a
Money Market Account Details

*APY = Annual Percentage Yield
Dividends Paid Monthly
There may be a penalty for early withdrawl

Notes:

Members receive .50% loan rate discount for payroll deduction, net pay or direct deposit.
Discounts cannot be used on home equity loans or during loan promotion periods.
Rates and terms are subject to change without notice.