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Account Type Minimum Balance  Rate       APY*
Share Savings

   $5.00

       1.00 %      1.00 %
Holiday Clubs   -       1.00 %      1.00 %
IRA Accumulation   -       1.75 %      1.76 %
Share Draft (Checking)      -          0.50 %      0.50 %
Money Management $2,500.00       1.25 %      1.26 %

          * Annual Percentage Yield.  Rates are subject to change.  Monthly Fees may reduce the disclosed APY.

     Description

 New Car APR

 Used Car APR
24 Months      4.00 % 5.75 %
36 Months 4.25 % 6.00 %
48 Months            4.50 %   6.25 % 
60 Months            4.75 % 6.50 %
72 Months            5.00 % n/a 
     
VISA Platinum            11.88 %  
VISA Card            14.00 %  
Share Secured             4.00 %  
Line of Credit            12.25 %  
Seasonal

  8.00 %

  
 

Fixed Mortgages

  
1st Mortgage (15 Years)

5.00 % *

  
2nd Mortgage (5 Years)

 6.00 % **

    
2nd Mortgage (10 Years)

  6.25 % ***

  
2nd Mortgage (15 Years)

  6.50 % ***

  
     
 

Adjustable Mortgages

  
1st Mortgage (30 Years)

4.50 % *

  
1st Mortgage (30 Years / 5 Years Fixed)

5.00 % *

    
 

Home Equity

  
Home Equity (15 Years) 

6.00 % **

  
     

* 80% of SRA Appraisal.  ** 90% of SRA Appraisal and $99,000 Maximum 
*** 85% of SRA Appraisal and $99,000 Maximum
   Certificates Minimum

 Rate

    APY
   12 Months $500.00       1.75 % 1.76 %
   18 Months $500.00       1.85 % 1.87 %
   24 Months  $500.00       2.00 % 2.02 %
   30 Months $500.00       2.15 % 2.17 %
   48 Months $500.00

      2.25 %

 2.27 %

Rates are subject to change.  Please check with the Credit Union for current rates.  Penalty for early withdrawal.  IRA certificate minimum length is 18 months.

Rates as of 1/4/10