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APR refers to the annual percentage rate or the dividend rate. APY refers to the annual percentage yield. Savings Calculator Loan Calculator Loan Rates Rates as of 1/14/2010. Rate Description Term Payment Description APR APR Type Secured-850-750 Credit Score 60 MONTHS as low as 6.25% Fixed Secured- 749-650 Credit Score 60 MONTHS as low as 7.25% Fixed Secured-649-550 Credit Score 60 MONTHS as low as 8.25% Fixed Secured-549 and less Credit Score 48 MONTHS as low as 11.75% Fixed Secured-SPECIAL UP TO 60 MTHS AS LOW AS 4.90% Fixed UNSECURED 60 months Max credit score rated 11.90% Fixed Share Secured 60 months as low as 3.50% Fixed Home Equity- Max $50,000 12-120 months CREDIT SCORE RATED 4.90%-7.50% Fixed Members should call the credit union to verify rates. Other loans and rates are available, contact the Credit Union for more information. Certificates Rates as of 1/14/2010. Rate Description Term Dividend Rates APY UNDER $25000 6 MONTH 1.00% 1.00% $25,000 + 6 MONTH 1.25% 1.26% UNDER $25,000 12 MONTH 1.75% 1.76% $25,000 + 12 MONTH 2.00% 2.02% UNDER $25,000 24 MONTH 2.00% 2.02% $25,000 + 24 MONTH 2.25% 2.27% UNDER $25,000 36 MONTH-FLEX 2.15% 2.17% $25,000 + 36 MONTH-FLEX 2.40% 2.42% NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty. Members should call the credit union to verify rates. Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings. Savings/Shares Rates Rates as of 1/14/2010. Rate Description Term Dividend Rates APY $50 minimum open 0.25% 0.25% Members should call the credit union to verify rates. Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings. IRAs Rates as of 1/14/2010. Rate Description Term Dividend Rates APY TRADITIONAL ROTH OR EDUCATION OPEN 2.00% 2.02% Members should call the credit union to verify rates. Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings. Share Draft Rates as of 1/14/2010. Rate Description Term Dividend Rates APY no dividend 0.00% 0.00% Members should call the credit union to verify rates. Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

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