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*All rates and other figures are subject to change without immediate update on this site.
Please contact your credit union to ensure accuracy.
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Loan Rates Effective: May 11, 2010
New Automobiles
	Rate	Term	Financing
New	3.99% APR*	Up to 72 Months	100%
APR* = Annual Percentage Rate

Used Automobiles
	Rate	Term	Financing
1 and 2 year old autos	5.49% APR*	Up to 66 Months	100% - NADA Retail Value
3 and 4 year old autos	5.99% APR*	Up to 60 Months	100% - NADA Retail Value
5 and 6 year old autos	7.99% APR*	Up to 48 Months	90% - NADA Retail Value
7 year and older autos	9.99% APR*	Up to 36 Months	85% - NADA Retail Value
APR* = Annual Percentage Rate

New RV's, Motor Homes, Campers, and Boats
Value	Rate	Term	Financing
Up to $10,000	6.49% APR*	60 Months	100%
$10,001 $20,000	6.49% APR*	72 Months	100%
$20,001 - $25,000	7.49% APR*	84 Months	90%
$25,001 - $35,000	8.49% APR*	96 Months	90%
$35,001 - $50,000	9.49% APR*	120 Months	90%
APR* = Annual Percentage Rate

Used RV's, Motor Homes, Campers, and Boats
Value	Rate	Term	Financing
Up to $10,000	7.49% APR*	60 Months	75% - NADA Retail Value
$10,001 to $20,000	7.49% APR*	72 Months	75% - NADA Retail Value
$20,001 - $25,000	8.49% APR*	84 Months	75% - NADA Retail Value
$25,001 - $35,000	9.49% APR*	96 Months	75% - NADA Retail Value
$35,000 - $50,000	10.49% APR*	120 Months	75% - NADA Retail Value
APR* = Annual Percentage Rate

Share Secured Loans
	Rate		Term
	8.25% APR*		Up to 15 years
APR* = Annual Percentage Rate

Signature Loans
Amount		Rate	Term
$3,000.00 - Up to 10 years Seniority		13.75% APR*	Up to 36 Months
$4,000.00 - Over 10 years Seniority		13.75% APR*	Up to 36 Months
$4,000.00 - Retired Members		13.75% APR*	Up to 36 Months
APR* = Annual Percentage Rate

Credit Cards
		Rate
Visa Classic		12.90% APR*
APR* = Annual Percentage Rate

First Mortgage
Referral Service		Please Contact Credit Union

Second Mortgage
Please Contact Credit Union

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Rates Effective: May 11, 2010
Share Certificates
Term	Rate	APY	Minimum
6 Months	0.698% Rate	0.700% A.P.Y.	$1,000 Minimum
12 Months	0.996% Rate	1.000% A.P.Y.	$1,000 Minimum
24 Months	1.837% Rate	1.850% A.P.Y.	$1,000 Minimum
36 Months	2.231% Rate	2.250% A.P.Y.	$1,000 Minimum
A.P.Y. = Annual Percentage Yield

Regular Share and Sub-Share Accounts
Last Quarterly Dividends Paid
Dividends paid on balances over $200.00		0.35% A.P.Y.	0.35% APR*
A.P.Y. = Annual Percentage Yield
APR* = Annual Percentage Rate

Christmas Club Shares
Last Quarterly Dividends Paid
Dividends paid on balances over $200.00		0.35% A.P.Y	0.35% APR*
A.P.Y. = Annual Percentage Yield
APR* = Annual Percentage Rate

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Account & Service Fee Disclosure
Description	Amount	Per Item
ACH FEES
Returned ACH debit	$25.00	Each

ATM Fees
Fee for ATM transactions over five per month	$ 1.75	Each
Replacement Card Fee	$20.00	Card
Non-Sufficient Funds Fee	$25.00	Each

VISA Credit Card Fees
No annual fee
Late Payment Fee	$20.00

Share Draft Account Fees
No Service Charge
Draft Returned Unpaid (insufficient, etc.)	$25.00	Each
Stop Payment	$15.00	Each
Copy of Draft	$ 3.00	Each
Members will be charged for share draft orders.
Share Transfers to Clear a Draft	$ 5.00	Each Occurrence
Copies of Account History Printed from Credit Union System	$ 2.00	Page
Copies of Statement (Printed from Microfiche)	$ 5.00	Page
Closing an Account if unused drafts are not returned	$10.00
Closing an Account within one year of opening account	$10.00
Assistance in balancing an account by CU personnel	$ 7.50 ($15 min)	Half Hour
O/D transfer fee	$ 5.00
Stop Payment on Credit Union Share Draft	$ 25.00

Loan Fees
Fees for loan payments that are 10 or more days late	$15.00

Miscellaneous Fees
Returned NSF checks	$25.00	Each

Wire Transfer Fees
Wire Transfer	$15.00	Each

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