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The rates and terms applicable to your accounts at the Credit Union are provided in this Rate Schedule. The Credit Union may offer other rates for these accounts from time to time. Rates are subject to change daily without notice.

New & Used Auto Loan Rates Effective January 1, 2012

Grade 24 MOS - APR* 36 MOS - APR* 48 MOS - APR* 60 MOS - APR* 72 MOS - APR* 84 MOS - APR*

A+ 740+ 3.99% 3.99% 3.99% 3.99% 4.49% 5.49%

A 720-739 4.49% 4.49% 4.49% 4.49% 4.99% 5.99%

B+ 700-719 5.75% 5.75% 5.75% 5.75% 6.24% 7.24%

B 680-699 7.24% 7.24% 7.24% 7.24% 7.74% 8.74%

C+ 660-679 9.99% 9.99% 9.99% 9.99% 10.99% 11.99%

C 640-659 11.00% 11.25% 11.50% 11.75% 12.25% 12.75%

D 600-639 16.50% 17.00% 17.50% 18.00% - -

E 550-599 19.00% 20.00% 21.00% - - -

High LTV may require a blended rate. 1/2 approved interest rate if member purchases one of our repossessions.

Recreational Vehicle Loan Rates Effective January 1, 2012

Grade 48 MOS - APR* 60 MOS - APR* 72 MOS - APR* 84 MOS - APR* 120 MOS - APR*

A+ 740+ 8.74% 9.74% 10.74% 11.74% 12.74%

A 720-739 8.99% 9.99% 10.99% 11.99% 12.99%

B+ 700-719 9.24% 10.24% 11.24% 12.24% 13.24%

B 680-699 10.24% 11.24% 12.24% 13.24% 14.24%

C+ 660-679 13.24% 14.24% 15.24% 16.24% -

C 640-659 16.24% 17.24% 18.24% - -

D 600-639 19.24% 20.24% - - -

Eligible Vehicles: Motorcycles & Motor Homes

Signature Loan Rates Effective January 1, 2012

Grade 24 MOS - APR* 36 MOS - APR* 48 MOS - APR* 60 MOS - APR* 72 MOS - APR* VISA - APR*

A+ 740+ 11.20% 11.70% 11.95% - - 10.90%

A 720-739 12.20% 12.70% 12.95% - - 14.90%

B+ 700-719 13.20% 13.70% 13.95% - - 14.90%

B 680-699 15.20% 15.70% 15.95% - - 16.90%

C+ 660-679 18.20% 18.70% 18.95% - - 16.90%

C 640-659 19.70% 20.20% 20.45% - - 21.00%

D 600-639 21.00% - - - - 21.00%

Home Equity Loan Rates Effective January 1, 2012

Grade 80% LTV 60 MOS -APR* 80% LTV 120 MOS -APR* 80% LTV 180 MOS -APR* Variable - Any Term Prime = 7.25% APR*

A+ 740+ 7.24% 7.99% 8.74% Not Offered At This Time.

A 720-739 7.74% 8.49% 9.24% Not Offered At This Time.

B+ 700-719 8.00% 8.75% 9.50% Not Offered At This Time.

B 680-699 8.50% 9.25% 10.00% Not Offered At This Time.

C+ 660-679 10.00% 10.50% 11.00% Not Offered At This Time.

C 640-659 12.00% 12.50% 13.00% Not Offered At This Time.

D 600-639 16.24% 16.75% 17.25% Not Offered At This Time.

Visa® Credit Cards Effective January 1, 2012

Platinum Card 10.9% APR*

Classic Card 14.9% - 21.0% APR*

Rates quoted are fixed rates.$15 annual fee (waived for Preferred & Platinum Choice members).

Share & CD Secured Loan Rates Effective January 1, 2012

Interest rate is 2% above the current rate being paid on the secured account for the first year. For each additional year requested, the rate will increase by .25%.

Example: A share loan for $5,000.00 taken out for 3 years, that is currently making 1.00% would be charged 3.00% plus .50 for a total of 3.50%.