Large enough to serve you,
small enough to KNOW you.

Rates valid as of 2016

Share Rates

Account Type	Minimum Balance	APR/Y	Statement Cycle
Regular Shares (Savings)	$50.00 $10,000.00	0.25% 0.50%	Quarterly
Share Draft (Checking)	$300.00 $10,000.00	0.05% 0.25%	Monthly
Gold Checking*	$2,000.00-$10,000.00 $10,000.01	2.75% 0.05%	Monthly
Christmas Club	$10.00	0.25%	Quarterly
Vacation Club	$10.00	0.25%	Quarterly
Kids Club	None	0.25%	Quarterly

Certificate Rates

Term	Min. $1,000	Min. $30,000	Min. $50,000
6 Months	0.60% APR/Y	-	-
12 Months	0.75% APR/Y	0.85% APR/Y	-
18 Months	0.85% APR/Y	-	1.00% APR/Y
36 Months	1.15% APR/Y	-	1.35% APR/Y

IRA Rates
Traditional, Roth, or Coverdell

Rate Description	Shares	6 Months	12 Months
IRA Shares	0.60% APR/APY Dividends Paid Quarterly	-	-
IRA Certificate	-	0.65% APR/APY	0.80% APR/APY
IRA Certificate ≥ $30,000	-	0.65% APR/APY	0.90% APR/APY
Jumbo Certificate ≥ $50,000	-	-	1.00% APR/APY
Shares and Certificates are available with Traditional, Roth, or Coverdell and are designated as such when the account is opened.

Call the credit union at (888) 419-7723 for the latest rates information. Contact the credit union to find out if there are any fees on these accounts that could reduce your earnings.

Consumer Loan Rates*

Rate Description	Term	Payment	APR	APR Type
Auto Loans
Auto - New & 1 Year Old	24 Months	Monthly	As low as 2.50%	Fixed
	36 Months	Monthly	As low as 2.75%	Fixed
	48 Months	Monthly	As low as 2.95%	Fixed
	60 Months	Monthly	As low as 2.95%	Fixed
	72 Months	Monthly	As low as 3.95%	Fixed
Used Auto - Used 2-3 Years	Up to 60 Months	Monthly	As low as 3.50%	Fixed
Auto - Used 4-6 Years	Up to 54 Months	Monthly	As low as 4.50%	Fixed
Auto - Used > 6 Years	Up to 42 Months	Monthly	As low as 5.50%	Fixed
Motorcycles/Boats/ Tractors/Trailers/Campers	Up to 66 Months	Monthly	As low as 5.50%	Fixed
Secured/Personal/Signature Loans
Share Secured	Up to 2 Years	Monthly	5.50%	Fixed
CD Secured	CD Term	Monthly	CD Rate + 3.00%	Fixed
Personal / Signature	Up to 36 Months	Monthly	8.95% - 17.95%	Fixed
Mortgage Loan Rates*
First Mortgage	5 Year ARM	Monthly	CALL FOR RATE	Variable
Unimproved Property	5 Year ARM	Monthly	CALL FOR RATE	Variable
*Loan rates based on credit score(s) and must meet normal loan qualifications.

Call the credit union at (888) 419-7723 for the latest rates information. Contact the credit union to find out if there are any fees on these accounts that could affect your payments.