Rates

Rates effective as of 9/25/2013.

Share Accounts

ProductInterest RateAPY*
Power Shares0.10%0.10%
Christmas Club0.10%0.10%
Life/Other Shares0.00%0.00%
Escrow0.10%0.10%
Secondary Shares0.10%0.10%
IRA Shares0.20%0.20%

Share Draft Accounts

AccountInterest RateAPY*
Share Draft Checking0.00%0.00%

Money Market Accounts

BalanceInterest RateAPY*
$1,000 - $19,9990.15%0.15%
$20,000 - $49,9990.15%0.15%
$50,000 +0.20%0.20%

Tiered Share Certificates

TermMinimum BalanceTier 1: $500 - $9,999.99 Dividend RateAPY*Tier 2: $10,000 - $49,999.99 Dividend RateAPY*
3 Month$5000.20%0.20%0.20%0.20%
6 Month$5000.250%0.25%0.250%0.25%
1 Year$5000.350%0.35%0.350%0.35%
2 Year$1,0000.648%0.65%0.648%0.65%
3 Year$1,0000.847%0.85%0.847%0.85%
4 Year$1,0000.996%1.00%0.996%1.00%
5 Year$1,0001.294%1.30%1.294%1.30%
TermMinimum BalanceTier 3: $50,000 - $99,999.99 Dividend RateAPY*Tier 4: $100,000 + Dividend RateAPY*
3 Month$5000.25%0.25%0.30%0.30%
6 Month$5000.300%0.30%0.350%0.35%
1 Year$5000.449%0.45%0.499%0.50%
2 Year$1,0000.698%0.70%0.698%0.70%
3 Year$1,0000.996%1.00%1.095%1.10%
4 Year$1,0001.195%1.20%1.294%1.30%
5 Year$1,0001.393%1.40%1.492%1.50%

Vehicle Loans 2006 and Newer

Credit Bureau Score730 +729 - 680679 - 650649 - 620619 - 590< 589
Up to 24 Months2.74%3.49%5.74%9.49%13.49%17.99%
Up to 36 Months2.74%3.49%5.74%9.74%13.74%18.24%
Up to 48 Months2.99%3.49%5.74%9.99%13.99%18.49%
Up to 60 Months2.99%3.49%5.74%10.24w/ao 14.24%
Up to 72 Months3.74%4.74%6.74%w/ao 10.49%
Up to 84 Months7.24%7.49%9.24%
Rates good for vehicles 2006 and newer. With approved credit. Based upon past credit history. All rates are subject to change without notice.

Vehicle Loans 2005 and Older

Credit Bureau Score730 +729 - 680679 - 650649 - 620619 - 590< 589
Up to 24 Months4.49%5.49%7.49%10.49%14.49%18.99%
Up to 36 Months4.49%5.49%7.49%10.74%14.74%19.24%
Up to 48 Months4.99%5.99%7.99%10.99%14.99%19.49%
Up to 60 Months4.99%5.99%7.99%11.24%15.24%
Up to 72 Months5.49%6.49%8.49%11.49%
Up to 84 Months8.24%8.49%10.24%
Rates good for vehicles 2005 and older. With approved credit. Based upon past credit history. All rates are subject to change without notice.

Recreational Vehicles

Credit Bureau Score730 +729 - 680679 - 650649 - 620619 - 590< 589
Up to 24 Months3.99%4.49%6.99%9.49%13.49%17.99%
Up to 36 Months3.99%4.49%7.24%9.74%13.74%18.24%
Up to 48 Months4.24%4.74%7.49%9.99%13.99%18.49%
Up to 60 Months4.24%4.74%7.74%10.24%w/ao 14.24%
Up to 72 Months4.49%4.99%7.99%w/ao 10.49%
Up to 84 Months7.24%7.49%9.24%
Vehicles 2000-05 add 1% to the above rates for 60 months and newer. All other rates contact credit union. With approved credit. Based upon past credit history. All rates are subject to change without notice. Requires full coverage insurance.

Power Xtreme Rates (Non Titled Vehicles)

Credit Bureau Score730 +729 - 680679 - 650649 - 620619 - 590< 589
Up to 24 Months7.99%8.24%9.99%11.49%15.49%19.99%
Up to 36 Months8.24%8.49%10.24%11.74%15.74%20.24%
Up to 48 Months8.49%8.74%10.49%11.99%15.99%20.49%
Up to 60 Months8.74%8.99%10.74%12.24%w/ao 16.24%
Up to 72 Months8.99%9.24%10.99%w/ao 12.49%
Vehicles 05 and older add 1% to the above rates. Does not require full coverage insurance.

Unsecured Loans

Credit Bureau Score730 + 729 - 680679 - 650649 - 620619 - 590< 589
Consolidation9.90%10.25%11.49%
Signature10.24%10.49%12.24%13.74%17.74%21.99%

VISA® Credit Card

Credit Bureau Score 730 + 729 - 680679 - 650649 - 620619 - 590< 589
8.90%10.40%11.40%13.40%17.40%21.99***
*** Secured VISA® Only.

Share and Certificate Secured Loans

SHARE AND CERTIFICATE SECURED LOANS
2% Over Rate On Share Account With Minimum of 4%

Line of Credit

Credit Bureau Score730 +729 - 680679 - 650649 - 620619 - 590< 590
Prime* + 2.5%Prime* + 4.00%Prime* + 5.00%Prime* + 7.00%Prime*+ 13.00%Prime*+ 13.00%
Floor Rate is 4.9%
*Rate is based on Wall Street Journal Prime or Floor Rate, whichever is higher

Home Equity Line of Credit

Credit Bureau Score730 +729 - 680679 - 650649 - 620619 - 590< 589
< 60%Prime**Prime**Prime** + 1.0%Prime** + 2.0%Prime** + 3.0%Prime** + 6.0%
60% - 69%Prime**Prime**Prime** + 1.0%Prime** + 3.0%
70% - 80%Prime**Prime**Prime** + 1.0%
MAXIMUM AMOUNT - Not To exceed 80% Of Apprasial Or Tax Certificate Rate is Based On Prime Or Floor Rate Whichever Is Higher TERM LIMIT - Term Not To Exceed 180 Months Wall Street Journal Prime Floor Rate - 3.9% Prime - 3.25% APR

* APY = Annual Percentage Yield

*10 Year (120 months) and 15 Year (180 months) Fixed-Rate HELOC simple annual rate is 3.95% APR for 10 and 15 year new money only. Rate Is Based on Prime or Floor Rate Whichever Is Higher.

Payment does not include taxes and insurance premiums. Some state and county maximum loan amount restrictions may apply. Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio. Loan approval, Annual Percentage Rate (APR), and down payment required based on creditworthiness, amount financed, and ability to repay. Rates, terms, and conditions are subject to change. Subject to 1% or $199.00 origination fee. Consult a tax advisor regarding deductibility of interest.

Fixed Home Equity Loans - 1st and 2nd Position

Effective Date 3/05/2013

1st Position - New Money Only

A+
730+
A
729-680
B
679-650
C
649-620
D
619-590
E
<590
<80%<80%<80%<70%N/AN/A
10 YEAR3.95%4.20%4.45%4.70%
15 YEAR3.95%4.20%4.45%4.70%

1st Position - CU Refinance

A+
730+
A
729-680
B
679-650
C
649-620
D
619-590
E
<590
<80%<80%<80%<70%N/AN/A
10 YEAR4.20%4.45%4.70%4.95%
15 YEAR4.20%4.45%4.70%4.95%

2nd Position - New Money Only

A+
730+
A
729-680
B
679-650
C
649-620
D
619-590
E
<590
<80%<80%<80%<70%N/AN/A
10 YEAR5.90%6.15%6.40%6.65%
15 YEAR5.90%6.15%6.40%6.65%

2nd Position - CU Refinance

A+
730+
A
729-680
B
679-650
C
649-620
D
619-590
E
<590
<80%<80%<80%<70%N/AN/A
10 YEAR6.15%6.40%6.65%7.00%
15 YEAR6.15%6.40%6.65%7.00%

*Requires Additional Lending Authority **Rate Is Based on Prime or Floor Rate Whichever Is Higher