Rates

Rates

Loans| Mortgage| Savings| Certificates |Fee Schedule

Allow the credit union to finance all your Spring home improvements. We have the loan product to "fix" your needs.

Loans	Rate	APR*	Term
New Auto (2006 and 2007)	6.000	6.000	72	Calculator
Used Auto (2003 - 2006)	6.000	6.000	72	Calculator
Used Auto (2000 -2002) For autos older than 2000 add 0.50% to the rate for each year older.	7.250	7.250	60	Calculator
New Recreational (2005 - 2006)	7.500	7.500	60	Calculator
New Recreational (2005 - 2006)	7.750	7.750	72	Calculator
Used Recreational (2004 and older)	8.750	8.750	60	Calculator
Home Equity	7.500	7.500	60	Calculator
Home Equity Line of Credit (Wall Street Journal Prime + 1.00%)	8.500	8.500	n/a	Calculator
New Mobile Home	11.500	11.500	60	Calculator
Used Mobile Home	13.500	13.500	60	Calculator
Student	9.000	9.000	60	Calculator
Signature	10.500	10.500	36	Calculator
Signature	12.000	12.000	60	Calculator
Speedy Cash LOC	12.750	12.750	n/a	Calculator
Overdraft LOC	13.500	13.500	n/a	Calculator
VISA Card	9.000	9.000	n/a	Calculator
Share Secured (4% over earning rate)			n/a	Calculator
Certificate Secured (4% over earning rate)			n/a	Calculator

*APR = Annual Percentage Rate
**Term = Loan maturity in number of months

Loan rates are subject to change without notice.
Home Equity Line of Credit rate is based on the Wall Street Journal Prime plus 1.00% and is subject to change.
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FIRST MORTGAGES
8.0% APR FOR UP TO 15 YEARS

FIRST MORTGAGE

Rate	Points	APR*
8.00	0	8.00

*APR = Annual Percentage Rate
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Savings	Dividend Rate	APY*	Term
Shares	0.150	0.150	n/a
XLV Shares	0.400	0.400	n/a
Kid's Club Shares	0.150	0.150	n/a
Share Drafts	0.000	0.000	n/a
XLV Share Drafts	0.000	0.000	n/a
Club Accounts	0.000	0.000	n/a
Money Market Accounts	0.750	0.750	n/a

*APY = Annual Percentage Yield
Fees charged to an account may reduce earnings. Please reference the fee schedule for complete information. Minimum deposit for a certificate is $500.00. Dividend rates are subject to change without notice. All Term Share Accounts (CD's) and Christmas Clubs have a penalty for early withdraw. All money deposited in the Credit Union is protected by the National Credit Union Administration (NCUA) - the government agency responsible for insuring credit union account deposits for up to a combined total of $100,000.
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Certificates	Dividend Rate	APY*	Term
Certificates - under $10,000	0.500	0.500	3
Certificates - $10,000 and over	0.750	0.750	3
Certificates - under $10,000	0.750	0.750	6
Certificates - $10,000 and over	1.000	1.000	6
Certificates - under $10,000	0.800	0.800	12
Certificates - $10,000 and over	1.050	1.050	12
Certificates - under $10,000	0.850	0.850	18
Certificates - $10,000 and over	1.100	1.100	18
Certificates - under $10,000	0.900	0.900	24
Certificates - $10,000 and over	1.150	1.150	24
Certificates - under $10,000	1.000	1.000	36
Certificates - $10,000 and over	1.250	1.260	36
Certificates - under $10,000	1.250	1.260	48
Certificates - $10,000 and over	1.500	1.510	48
Certificates - under $10,000	1.500	1.510	60
Certificates - $10,000 and over	1.750	1.760	60

*APY = Annual Percentage Yield
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Fee Schedule - Fees are subject to change without notice. Effective 08/01/2005 Amount

Account Reinstatement (within one year) $25.00

Christmas Club - Early Withdrawal $10.00

Credit Union Draft $2.00

Debit Card Usage @ ATM (after 6 ATM withdrawals per month) $1.00

Microfiche Copies $5.00/page

Money Orders $1.00

Non-Sufficient Funds/Closed Account (electronic / debit / draft) $30.00

Outgoing Domestic Wires/Western Union (incoming wires free) $16.00

Overdraft Protection (after 6 automatic transfers per month) $5.00

Replacement PIN $5.00

Research/Reconcilement ($15.00 per hour minimum fee) $30.00

Second Party Check $5.00

Share Draft Copy (free online) $3.00

Stop Payment (single draft) $15.00

VISA Card Replacement $10.00

VISA Loan - Late Payment $20.00

VISA Overlimit $15.00

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