APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates

Rates as of 10/13/2009.
Rate Description Term Payment Description APR APR Type
Holiday Loans up to $2,000 for 24 months approx $94 for 24 months 8.90% Fixed
EMS Loan $20 application fee + interest 1 time pmt within 45 days To be Paid in Full 15.00% Fixed
Home Equity Loan up to 15 years $7.53 per $1,000 with A Credit 4.25% Fixed
Vehicles New and Used up to 60 months approx $18.65 per $1,000 4.50% with A Credit Fixed
Vehicles New and Used up to 60 months approx $19.11 per $1,000 5.50% with B Credit Fixed
Vehicles New and Used up to 60 months approx $19.58 per $1,00 6.50% with Fixed
Vehicles New and Used up to 60 months approx $20.05 per $1,000 7.50% with A Credit Fixed
Vehicles New and Used up to 60 months approx $21.01 per $1,000 9.50% with A Credit Fixed
Back to School Loan $1,500 for 12 months $133. per month for 12 months 8.90% Fixed
MARCH MADNESS 12 months approx 177.00 per month 8.88% Fixed
Line of Credit Loans up to 60 monts approx $21 per $1000 10.00% with A Credit Fixed
Line of Credit Loans up to 60 months approx $22 per $1000 11.00% with B Credit Fixed
Line of Credit Loans up to 60 months approx $23 per $1,000 13.00% with C Credit Fixed
Vacation Loans up to 2,000 for 18 months 121.00 per month for 18 months 9.90% 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 10/13/2009.
Rate Description Term Dividend Rates APY
$50,000 minimum balance 24 months 2.75% 2.78%
$25,000 minimum balance 24 months 2.60% 2.63%
$10,000 minimum balance 24 months 2.40% 2.42%
$10,000 minimum balance 18 months 2.25% 2.26%
$10,000 minimum 12 months 2.00% 2.02%
$5,000 minimum balance 24 months 2.25% 2.26%
$5,000 minimum balance 18 months 2.00% 2.02%
$5,000 minimum balance 12 months 1.75% 1.77%
$1,000 minimum balance 12 months 1.75% 1.77%

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 10/13/2009.
Rate Description Term Dividend Rates APY
Regular shares/special savings $100-$1,000 Quarterly 0.75% 0.76%
Regular shares/special savings $1,001-$5,000 Quarterly 01.00% 1.01%
Regular Shares/special savings $5,001-10,000 Quarterly 1.25% 1.26%
Regular Shares/special savings $10,001 and up Quarterly 1.50% 1.51%

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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