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Financial Rates

Savings Rates

Share Savings Account

Minimum	Rate	APY*
<$100	0.00%	0.00%
>$100	0.25%APY	0.25%APY

Premier Checking

Average Daily Balance
APR

$0 to $1000.00
0.00%

$1,000.01 to $2,500.00
0.50%

$2,500.01 to $10,000.00
0.75%

$10,000.01 to $25,000.00
1.25%

$25,000.01 to $50,000.00
1.50%

$50,000.01 and over
2.25%

Rates are subject to change monthly.

All accounts maintaining a minimum average daily balance of less than $1,000 will be subject to a $10 monthly serice charge.

All accounts will receive free checks (max of 2 boxes per order) {Club 55}.

Christmas Club Account

Minimum	Rate	APY*
N/A	1.25%APY	1.25%APY

IRA Account

Minimum	Rate	APY*
N/A	1.50%APR	1.51%APY

Certificates of Deposit

Minimum	Term	Rate	APY*
$500 (new) compounding	6 Months	2.75 % APY	2.79 % APY
$500 (new) compounding	1 Year	3.00 % APY	3.04 % APY
$500 (new) compounding	2 Years	3.00 % APY	3.04 % APY
$500 (new) compounding	3 Years	3.25 % APY	3.30 % APY
$500 (new) compounding	4 Years	3.25 % APY	3.30 % APY
$500 (new) compounding	5 Years	3.25 % APY	3.30 % APY

Early Withdrawal Penalty and Grace Period Information.
There is a seven (7) day grace period for withdrawals from this Certificate of Deposit after it matures. If this Certificate of Deposit is presented for payment on its maturity date or within seven (7) days thereafter, no penalty shall be imposed but no interest shall be earned after the maturity date. If this Certificate of Deposit is presented for payment before the maturity or more than seven (7) days after maturity, thirty (30) days prior written notice must be furnished to the Credit Union.
When such prepayment occurs, the prepayment penalty indicated below shall apply:
[       ] days interest on the amount withdrawn shall be forfeited. The balance of the funds represented by this Certificate of Deposit shall remain on deposit under the Certificate's original terms and conditions.
[       ] days interest on the entire principal amount shall be forfeited, and this Certificate of Deposit shall be cancelled.
This Certificate will be cancelled and (1) interest will be paid on the account only at the rate of [       ]% per annum instead of the originally contemplated interest rate, and (2) interest shall be paid through the end of the last month that this Certificate of Deposit was outstanding. This interest rate penalty shall not apply to any interest earned prior to the last renewal date.
Interest will paid on the amount withdrawn only at the rate of [       ]% per annum instead of the originally contemplated interest rate, and shall be paid only through the end of the last preceding month. This interest rate penalty shall not apply to any interest earned prior to the last renewal date. The balance of the funds represented by this Certificate of Deposit shall remain on deposit under the Certificate's original terms and conditions. If the interest paid exceeds the interest due at the time of such prepayment, the difference shall be deducted form the principal amount.

Loan Rates

Auto

Year	Rate	Term
Auto-New New-Only	5.75%	as low as
2007-2005	7.25%	call loan department for terms
2004-1998	7.50%	call loan department for terms
1997 and older	8.25%	call loan department for terms
* Classic Auto use highest used car rate recreation terms

Recreation

Year	Rate	Term
New 0% down	7.25%	Up to 48 Months
		call loan department for additional terms
Used 0% down	8.00%	Up to 48 months $0.00 to $5000.00
		call loan department for additional terms

Other

Type	Rate	Term
Tractors New	9.00%	Same As Recreation
Tractors Used	10.00%	Same As Recreational Terms
Revolving Credit	13.9%




Home Equity	7.25%	as low as 7.25 % tied to prime,
		Loan to value up to 85%
		zero cash program
Home Improvement (unsecured)	12.50%	48 Months Max Loan Amount $7,500
Share Pledge/CD Pledge	7.50%	Must Be 3% Over Share - Minimum Of $1000

To our members and those eligible to become members
Your credit union wants you to know that with respect to mortgage loans and home improvement loans the law guarantees:

That you have the right to make a loan inquiry of the credit union.
That you have the right to file a written loan application with the credit union.
That you have the right to receive a written response to your inquiry or application.

Loan Limits

The maximum amount for a first mortgage loan shall not exceed $350,000.00.
The maximum amount for a second mortgage loan shall not exceed $125,000.00.

Maximum Length of Loans

First mortgage loans up to 30 years.
Second mortgage loans up to 15 years (over $20,000.00).

Loan Rejections

Loan officers will reject all loans not qualified.

Specific Criteria for Mortgage Loans
First Mortgages

Minimum 5% down
Full escrow required
Fixed or variable rates
Necessary fees paid by member, i.e. credit bureau, surveys, appraisals, title insurance
Taxes paid up to date

Second Mortgages

Homes on land contract will not be considered
Title insurance paid by member
Appraisal required (our own appraiser) paid by member
Taxes must be paid up to date
Maximum 80% of appraisal includes first mortgage

General time
One week to 5 weeks depending on amount requested.

Signature Loans

	Rate		Term
Signature Loans	$0 - $2,499	10.50%	Up to 24 months
Max 2 per member must combine if they apply for 3	$0 - $4,999	11.50%	Up to 36 months
	$2,500 - $7,499	12.50%	Up to 48 months
	$5,000 - $15,000	13.50%	Up to 60 months

APY - Annual Percentage Yield
APR - Annual Percentage Rate

Savings Federally Insured to $100,000 by NCUA an agency of the U.S. Government

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

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Average Daily Balance		APR
$0 to $1000.00		0.00%
$1,000.01 to $2,500.00		0.50%
$2,500.01 to $10,000.00		0.75%
$10,000.01 to $25,000.00		1.25%
$25,000.01 to $50,000.00		1.50%
$50,000.01 and over		2.25%