RATES ARE CURRENT AS OF 3/1/2010 New Hybrid-Electric Vehicle APR Payment based on $1000.00 borrowed Calculator 3 Years As low as: 4.50% $29.75 click here 4 Years As low as: 4.75% $22.92 click here 5 Years As low as: 5.00% $18.88 click here 6 Years As low as: 5.25% $16.23 click here - 100% Financing (Sticker Price Including Taxes & Charges) - Pre-Approvals Are Available * APR - (Annual Percentage Rate) is subject to change. Actual Interest Rate will be determined based on member's overall credit history and score. Not all members will qualify for lowest rate disclosed. Used Hybrid-Electric Vehicle APR* Payment based on $1000.00 borrowed Calculator 3 Years As low as: 5.50% $30.20 click here 4 Years As low as: 5.75% $23.37  click here 5 Years As low as: 6.00% $19.34 click here - 100% Financing (Average Retail Value of N.A.D.A. Guide) - Pre-Approvals Are Available * APR - (Annual Percentage Rate) is subject to change. Actual Interest Rate will be determined based on member's overall credit history and score. Not all members will qualify for lowest rate disclosed. CLICK "HERE" WE RECOMMEND CARFAX AS THE BEST TOOL FOR FINDING THE HISTORY OF A CAR BEFORE YOU BUY New Vehicle APR Payment based on $1000.00 borrowed Calculator 3 Years As low as: 5.00% $29.98 click here 4 Years As low as: 5.25% $23.15 click here 5 Years As low as: 5.50% $19.11 click here 6 Years As low as: 5.75% $16.46 click here - 100% Financing (Sticker Price Including Taxes & Charges) - Pre-Approvals Are Available * APR - (Annual Percentage Rate) is subject to change. Actual Interest Rate will be determined based on member's overall credit history and score. Not all members will qualify for lowest rate disclosed. Used Vehicles APR* Payment based on $1000.00 borrowed Calculator 3 Years As low as: 6.00% $30.42 click here 4 Years As low as: 6.25% $23.60  click here 5 Years As low as: 6.50% $19.57 click here - 100% Financing (Average Retail Value of N.A.D.A. Guide) - Pre-Approvals Are Available * APR - (Annual Percentage Rate) is subject to change. Actual Interest Rate will be determined based on member's overall credit history and score. Not all members will qualify for lowest rate disclosed. CLICK "HERE" WE RECOMMEND CARFAX AS THE BEST TOOL FOR FINDING THE HISTORY OF A CAR BEFORE YOU BUY New Recreational Vehicle APR* Payment based on $1000.00 borrowed Calculator Up to 5 Years As low as: 6.75% $19.68 click here   * APR - (Annual Percentage Rate) is subject to change. Actual Interest Rate will be determined based on member's overall credit history and score. Not all members will qualify for lowest rate disclosed. Used Recreational Vehicle APR* Payment based on $1000.00 borrowed Calculator 2-4 Years As low as: 8.25% $24.52 click here   * APR - (Annual Percentage Rate) is subject to change. Actual Interest Rate will be determined based on member's overall credit history and score. Not all members will qualify for lowest rate disclosed. First Mortgages APR* Payment based on $1000.00 borrowed Calculator 10 Years As low as: 4.50% $10.37 click here 15 Years As low as: 5.00% $  7.91 click here 20 Years As low as: 5.25% $  6.75 click here 30 Years As low as: 5.30% $  5.56 click here - NO Points - Up to 100% Financing Available - Application Fee $350.00. * APR - (Annual Percentage Rate) is subject to change. Actual Interest Rate will be determined based on member's overall credit history and score. Not all members will qualify for lowest rate disclosed.   Home Equity APR* Payment based on $1000.00 borrowed Calculator 3  Years As low as: 5.25% $30.09  click here 5  Years As low as: 5.50% $19.11 click here 7  Years As low as: 5.75% $14.50  click here 10 Years As low as: 6.00% $11.11  click here 15 Years  20 Years As low as: 6.50% As low as: 7.00% | $  8.72 $  7.76 click here click here - 80% Financing (Appraised Value of Home x 80%) - Application fee $350.00. * APR - (Annual Percentage Rate) is subject to change. Actual Interest Rate will be determined based on member's overall credit history and score. Not all members will qualify for lowest rate disclosed.   Home Improvement APR* Payment based on $1000.00 borrowed Calculator 5 Years As low as: 7.00% $19.80  click here - No Fees * APR - (Annual Percentage Rate) is subject to change. Actual Interest Rate will be determined based on member's overall credit history and score. Not all members will qualify for lowest rate disclosed. Land APR* Payment based on $1000.00 borrowed Calculator 3 Years As low as: 5.75% $30.30 click here 5 Years As low as: 6.00% $19.33 click here 7 Years As low as: 6.25% $14.73 click here 10 Years As low as: 6.50% $11.37  click here 15 Years As low as: 7.00% $  8.99  click here 20 Years As low as: 7.50% $  8.06 click here - 90% Financing (Appraised Value of Land x 90%) * APR - (Annual Percentage Rate) is subject to change. Actual Interest Rate will be determined based on member's overall credit history and score. Not all members will qualify for lowest rate disclosed. Signature Loans - up to $5,000.00 APR* Payment based on $1000.00 borrowed Calculator 1 Years As low as: 9.50% $87.70 click here 2 Years As low as: 10.00% $46.16 click here 3 Years As low as: 10.50% $32.51 click here 4 Years As low as: 11.00% $25.86 click here 5 Years As low as: 11.50% $22.00 click here * APR - (Annual Percentage Rate) is subject to change. Actual Interest Rate will be determined based on member's overall credit history and score. Not all members will qualify for lowest rate disclosed. Line of Credit APR* Up to $5,000 Credit Line As low as: 11.50%   * APR - (Annual Percentage Rate) is subject to change. Actual Interest Rate will be determined based on member's overall credit history and score. Not all members will qualify for lowest rate disclosed.     Share Secured APR* Payment based on $1000.00 borrowed Calculator Up to 10 years 4.00% $10.13 click here   *APR - Annual Percentage Rate   Share Certificate Secured APR* Up to 10 years Dividend Rate + 2.00%   *APR - Annual Percentage Rate   Home Equity Line of Credit - Maximum Credit Line - Appraised Value of Home x 80%  - Minimum Credit Line - $5,000.00 - Variable Rate: Prime Rate - 0.50%  (Currently 4.00% APR*) - Draw Period: 5 Years - Payoff Period: 15 Years - Other Fees & Charges: NONE * The APR will never be less than 4.00% or greater than the maximum allowed by law (currently 18.00%).                                                                                                          Savings APY* S1 - Regular Shares 0.10% S2 - IRA's 0.90% S3 - Money Market            $ 2,000-$20,000      $20,000-$75,000      $75,000.00 & OVER   0.50%  0.70% 0.90% S4 - Share Draft * No minimum balance required * No monthly service charge or per check fees * Overdraft protection available (see FEE SCHEDULE for more information) * ATM access via DEBIT Card n/a S5 - Christmas Club 0.10% S6 - Vacation Club 0.10% S7 - Member Defined 0.10% *APY = Annual Percentage Yield -Regular Shares, IRA's, Christmas and Vacation Club, Member Defined require a minimum balance of $50.00 to earn the stated APY. -Money Market require a minimum balance of $2000.00 to earn the stated APY. -For all accounts, the APY may change monthly as determined by the Board of Directors. -Regular Shares requires a minimum opening deposit of $5.00. -Money Market requires a minimum opening deposit of $2000.00. -Fees or other conditions may reduce earnings. -Contact the credit union for more information about fees and rates.   Certificates Minimum Deposit Term APY* Regular & IRA $500.00 3 Months   .90%   $500.00 6 Months 1.00%   $500.00 12 Months 1.50%   $500.00 18 Months 1.60%   $500.00 24 Months 1.80%   $500.00 30 Months 1.90%   $500.00 36 Months 2.00%   $500.00 42 Months 2.10%   $500.00 48 Months 2.30%   $500.00 54 Months 2.40%   $500.00 60 Months 2.50%   Bonus Share Certificates $5,000.00 2 years 2.00%   $5,000.00 3 years 2.20%   $5,000.00 4 years 2.50%   $5,000.00 5 years 2.70% *APY = Annual Percentage Yield -The APY is based on an assumption that  dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. -We may impose a penalty if you withdraw any of the principal before the maturity date. -Contact the Credit Union for more information.