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*Rates as low as-Your credit history will determine your rate and term of loan.
Fees May Reduce Earnings on Accounts
Rates Effective 10/30/2008

Loans	Rate	APR*	Term
Personal Loan (48 month max term, Minimum 10% secured by savings, $7,000 unsecured max amount) Automobile and Motorcycle Loan (24 month term)	8.950 5.000	8.950 5.000	48 24	Calculator Calculator
Automobile and Motorcycle Loan (36 month term)	5.250	5.250	36	Calculator
Automobile and Motorcycle Loan (48 months)	5.500	5.500	48	Calculator
Automobile and Motorcycle Loan (60 month term)	5.750	5.750	60	Calculator
Automobile and Motorcycle Loan (72 month term) New Only	6.000	6.000	72	Calculator
Boats and RVs (36 month term)	5.250	5.250	36	Calculator
Boats and RVs (48 month term)	5.500	5.500	48	Calculator
Boats and RVs (60 month term)	5.750	5.750	60	Calculator
Boats and RVs (72 month term)	6.250	6.250	72	Calculator
Boats and RVs (Maximum term 10 years)	6.000	6.000	120	Calculator
Bill Consolidation Loan (48 mo. max. term; $7,000 unsecured max. amt.; Min. 10% secured by savings)	8.950	8.950	48	Calculator
Personal Access Loan (PAL) (12 mo. max. term; $1,200 max. amount)	7.750	7.750	12	Calculator
First Mortgage (Available through CUC Mortgage Corp. 1-800-342-4998)		0.000	n/a	Calculator
Fully Secured Loan (72 months max term 100% secured by savings)	5.000	5.000	72	Calculator
VISA Credit Card - PROMOTIONAL RATE - See Credit Union for details! (Fixed rate; No Annual Fee; Zero Liability)	8.500	8.500	n/a	Calculator

APR = Annual Percentage Rate
Rates subject to change at any time without notice.

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Savings	Minimum Balance	Dividend Rate	APY*	Term
Shares Account	100	1.000	1.000	n/a
Smart Savers Kid's Account**	5.00	1.000	1.000	n/a
Holiday Club Account	100	0.500	0.500	n/a
Vacation Club Account	100	0.500	0.500	n/a

*APY = Annual Percentage Yield
** Average daily balances of $5.00 or more paid quarterly on Smart Savers Kid's Account.
*** Rates subject to change at any time without notice.
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9 MONTH SPECIAL 3.35% -3.39% *apy ($1,000.00 DEPOSIT REQUIRED)

Certificates	Minimum Deposit	Dividend Rate	APY*	Term
Regular Term Share Deposits - 6 month	$1000.00	2.500	2.5200	6
Regular Term Share Deposits - 12 month	$1000.00	2.350	2.370	12
Regular Term Share Deposits - 24 month	$1000.00	2.350	2.370	24
Jumbo Term Share Deposits - 6 months	$99,000.00	2.550	2.570	6
Jumbo Term Share Deposits - 12 month	$99,000.00	2.400	2.420	12
Jumbo Term Share Deposits - 24 month	$99,000.00	2.400	2.420	24

*APY = Annual Percentage Yield
** IRA term share deposits available in 12 & 24 month terms.
*** Rates subject to change at any time without notice.
Early withdrawal penalty applies.
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