Loan Rates

Rates as of February 04, 2012

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%
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 75% 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 75% 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

Auto Loans

Model Year	Term	APR
2008-2012	Up to 36 months	As low as 1.89%
2008-2012	Up to 60 months	As low as 2.99%
2011-2012	Up to 72 months	As low as 3.49%*

*Includes reduction of .25% if 20% down payment or more and reduction of .25% with "New Member Thank You" voucher. 100% financing available to qualified members.

72 month term financing available on new vehicles with approved credit.

Used Auto Loans

Model Year	Term	Rates (as low as)
2003 - 2007 Models	up to 48 months	As low as 5.40%**

**Includes reduction of .25% if financing below for NADA trade in value and reduction of .25% with "New Member Thank You" voucher. 100% Financing available to qualified members.

UNSECURED LOANS

Term	Rates
Up to 48 months	as low as 10%*

**Includes reduction of .25% with "New Member Thank You" voucher.

SHARE & CERTIFICATE SECURED LOANS

	Rates
Special terms and restrictions apply	dividend rate + 2%

VISA PLATINUM

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

Your share deposits are insured to $250,000 per account. This institution is not federally insured.

ABA/ Routing & Transit Number 271188081