Credit Union 1 | A Unique Concept in Financial Services

Loan Rates

Rates as of December 04, 2008

Home Equity

Account Type	Term	APR (when member pays fees)	APR (when Credit Union pays fees)

Variable Rate Line of Credit (P&I Payments)	0-240 months	n/a	4.00%
Variable Rate Line of Credit (Interest Payments Only)	0-240 months	n/a	5.00%
Fixed Rate Home Equity (Up to 65% LTV)	0-180 months	Market rates change daily.	Appraisal and Title Search Required. Fees paid by member.
Fixed Rate Home Equity (Up to 80% LTV - 1st lien position)	0-180 months	Market rates change daily.	Appraisal and Title Search Required. Fees paid by member.
Fixed Rate Home Equity (Up to 80% LTV - 2nd lien position	0-60 months	7.00%	7.50%
	61-120 months	7.50%	8.00%
	121-180 months	8.00%	8.50%

Variable rate based on Prime and Line of Credit Amount

New Auto Loans

Model Year	Term	APR

2004-2008	Up to 60 months	As low as 3.74%*
2007-2008	Up to 72 months	As low as 5.99%*

**Includes reduction of .25% for auto pay through direct deposit or transfer from checking and reduction of .25% if 20% down payment or more. 72 month term financing available on new vehicles with approved credit. 100% financing available to qualified members.

Used Auto Loans

Model Year	Term	Rates (as low as)

1999 - 2003 Models	up to 48 months	As low as 6.90%**

**Includes reduction of .25% for auto pay through direct deposit or transfer from checking and **Includes reduction of .25% if financing below for NADA trade in value. 100% Financing available to qualified members.

UNSECURED LOANS

Term	Rates

Up to 48 months	as low as 10%*

*Includes additional .25% reduction for auto pay through direct deposit or transfer from checking

SHARE & CERTIFICATE SECURED LOANS

	Rates

Special terms and restrictions apply	dividend rate + 3%

VISA PLATINUM

	Rates

No Annual Fee. No Balance Transfer Fee	8.8% - 20.8%

FOR CURRENT INFORMATION CALL (800) 252-6950 DURING OFFICE HOURS OR VISIT ANY BRANCH LOCATION. CLICK HERE FOR SAVINGS RATES