Rates

 Rates as of 4/25/2013

** All posted rates include all applicable discounts**

Loans	TERM	RATE %	APR %
New & Used Vehicles, Motorcycles**+	60	2.49	2.49
Specialty**+	60	7.99	7.99
RVs, Campers, Snowmobiles, and Motorhomes+/	60	6.49	6.49
VISA Platinum	N/A	8.99	8.99
Personal Loans+	36	9.99	9.99
Home Equity LOC	180	4.25	4.25
Fixed 2nd Mortgage - 10 yr ***	120	4.49	4.49
Fixed 2nd Mortgage - 15 yr ***	180	4.99	4.99

*APR = Annual Percentage Rate **Terms up to 84 months available upon request. Contact a loan officer for details.  ***Terms available on fixed 2nd mortgages range from 3 to 20 years. Contact the credit union for additional rates +Rates are subject to change without notice. Loan rates and terms are dependent on credit qualifications. Loan rates listed are the lowest APR for well qualified borrowers and include all available discounts. /Terms up to 120 months available  Savings Minimum Deposit Dividend Rate % APY %* Regular, Secondary, Business, SpyKids Shares $5.00  0.070  0.07 IRA Share Account $0.00  0.070  0.07 Holiday Club $0.00  0.100  0.10 Checking with Dividends       $2,000 - $9,999 **  0.050  0.05 $10,000 - $24,999 **  0.070  0.07 $25,000 + **  0.100  0.10 Money Market       $2,500 - $9,999  ***  0.070  0.07 $10,000 - $24,999  ***  0.100  0.10 $25,000 - $49,999  ***  0.100  0.10 $50,000 +  ***  0.100  0.10 Giddy Up Money Market $0 - $500  ***** 43.154 52.80

*APY = Annual Percentage Yield ** If at any time during the month the account balance falls below $1,000.00, a $7.00 fee will be charged. ***Accounts falling below $2,500.00 at any time during the month will not earn dividends *****Debit card must be used 5 times per calender month (checks do not count towards this number), must be signed up for E-Statements and Direct Deposit through your employer, only one free withdrawal per month from Giddy-UpTM  money market account after which a $5 fee per withdrawal will be assessed.  Interest will only be paid on the first $500.  Accounts that do not meet the requirements will not earn interest.

Certificates & IRA Certificates *	Minimum Deposit	Dividend Rate %	APY % **
3 Month	$500	0.100	0.10
6 Month	$500	0.150	0.15
12 Month	$500	0.300	0.30
18 Month	$500	0.350	0.35
24 Month	$500	0.499	0.50
36 Month	$500	0.698	0.70
48 Month	$500	0.897	0.90
60 Month	$500	1.095	1.10
Youth Add-On Certificate Account*
12 Month	$25	0.500	0.50
Baby-Jumbo Certificate Accounts*
6 Month	$50,000	0.200	0.20
12 Month	$50,000	0.350	0.35
24 Month	$50,000	0.549	0.55
60 Month	$50,000	1.145	1.15

*Penalties for early withdrawal may apply **APY=Annual Percentage Yield ***Annual Percentage Rate