Rates & Fees

Share Accounts
Share Certificates
Checking Accounts
IRAs
Consumer Loans
Fee Schedule

Share rates are effective as of 01/26/2012

Share Account

Effective Date: 12/07/2011

Dividend Rate APY*

0.05% 0.05%

This account estabilishes your credit union membership. $25.00 minimum opening deposit. $5.00 one time entry fee. $100.00 balance required to earn dividend. Dividends compound and pay quarterly. 3 withdrawals per month, thereafter $1.00 charge. APY* = Annual Percentage Yield.

Share Certificates - 3 Month

Effective Date: 12/07/11

Term Deposit Amount Rate APY*

3-MO $1,000.00 .05% .05%

3-MO $2,500.00 .05% .05%

3-MO $4,000.00 .05% .05%

3-MO $10,000.00 .05% .05%

3-MO $25,000.00 .05% .05%

Share Certificates - 6 Month

Effective Date: Saturday, February 4th, 2012

Term Deposit Amount Rate APY*

6-MO $1,000.00 .05% .05%

6-MO $2,500.00 .05% .05%

6-MO $4,000.00 .05% .05%

6-MO $10,000.00 .05% .05%

6-MO $25,000.00 .05% .05%

Share Certificates - 12 Month

Effective Date: Saturday, February 4th, 2012

Term Deposit Amount Rate APY*

12-MO $1,000.00 .10% .10%

12-MO $2,500.00 .10% .10%

12-MO $4,000.00 .10% .10%

12-MO $10,000.00 .10% .10%

12-MO $25,000.00 .10% .10%

Share Certificates - 24 Month

Effective Date: Saturday, February 4th, 2012

Term Deposit Amount Rate APY*

24-MO $1,000.00 .15% .15%

24-MO $2,500.00 .15% .15%

24-MO $4,000.00 .15% .15%

24-MO $10,000.00 .25% .25%

24-MO $25,000.00 .25% .25%

Share Certificates - 36 Month

Effective Date: 12/07/2011

Term Deposit Amount Rate APY*

36-MO $1,000.00 .40% .40%

36-MO $2,500.00 .45% .45%

36-MO $4,000.00 .45% .45%

36-MO $10,000.00 .50% .50%

36-MO $25,000.00 .50% .50%

Share Certificates - 48-Month

Effective Date: 12/07/2011

Term Deposit Amount Rate APY*

48-MO $1,000.00 .50% .50%

48-MO $2,500.00 .60% .60%

48-MO $4,000.00 .60% .60%

48-MO $10,000.00 .65% .65%

48-MO $25,000.00 .65% .65%

Share Certificates - 60 Month

Effective Date: 12/07/2011

Term Deposit Amount Rate APY*

60-MO $1,000.00 .65% .65%

60-MO $2,500.00 .70% .70%

60-MO $4,000.00 .70% .70%

60-MO $10,000.00 .90% .90%

60-MO $25,000.00 .90% .90%

*Annual Percentage Yield Dividends compounded and paid monthly. We may impose a penalty if withdrawal is made before maturity date. Other rates and terms available This credit union is federally insured by the National Credit Union Administration.

Checking
Dividend bearing? Or non-dividend bearing? Whichever type of checking account you select, each offers its own unique benefits.
Basic Free Checking	Plus Checking
Unlimited check writing	Unlimited check writing
No monthly service fee	Monthly service fee of $6.00 if balance falls below $500.00
No per-check fees	No per-check fees
No minimum balance required	$500.00 minimum balance required to earn dividend* & waive fee
Overdraft protection available	Overdraft protection available
ATM/point of sale	ATM/point of sale
Direct deposit	Direct deposit

*Dividend .010% APY. Dividends compounded monthly and paid monthly. This credit union is federally insured by the National Credit Union Administration

IRA - INDIVIDUAL RETIREMENT ACCOUNT

Traditional or Roth
An IRA is a deposit account that provides security for the future and serves to compliment a fixed income after retirement. We offer both a IRA share and IRA certificate - Traditional or Roth Build toward a IRA certificate by depositing regularly to an IRA share account.

*IRA share accounts earn .05% APY *(IRA share accounts are a variable rate and may change at any time at the Credit Union's discretion)

IRA Certificates - 3 Month

Effective Date: 12/07/2011

Term Deposit Amount Rate APY*

3-MO $1,000.00 .05% .05%

3-MO $2,500.00 .05% .05%

3-MO $4,000.00 .05% .05%

3-MO $10,000.00 .05% .05%

3-MO $25,000.00 .05% .05%

IRA Certificates - 6 Month

Effective Date: 12/07/2011

Term Deposit Amount Rate APY*

6-MO $1,000.00 .10% .10%

6-MO $2,500.00 .10% .10%

6-MO $4,000.00 .10% .10%

6-MO $10,000.00 .10% .10%

6-MO $25,000.00 .10% .10%

IRA Certificates -12 Month

Effective Date: 12/07/2011

Term Deposit Amount Rate APY*

12-MO $1,000.00 .15% .15%

12-MO $2,500.00 .15% .15%

12-MO $4,000.00 .15% .15%

12-MO $10,000.00 .15% .15%

12-MO $25,000.00 .15% .15%

IRA Certificates -24 Month

Effective Date: 12/07/2011

Term Deposit Amount Rate APY*

24-MO $1,000.00 .30% .30%

24-MO $2,500.00 .30% .30%

24-MO $4,000.00 .30% .30%

24-MO $10,000.00 .30% .30%

24-MO $25,000.00 .30% .30%

IRA Certificates -36 Month

Effective Date: 12/07/2011

Term Deposit Amount Rate APY*

36-MO $1,000.00 .40% .40%

36-MO $2,500.00 .45% .45%

36-MO $4,000.00 .45% .45%

36-MO $10,000.00 .50% .50%

36-MO $25,000.00 .50% .50%

IRA Certificates -48 Month

Effective Date: 12/07/2011

Term Deposit Amount Rate APY*

48-MO $1,000.00 .50% .50%

48-MO $2,500.00 .60% .60%

48-MO $4,000.00 .60% .60%

48-MO $10,000.00 .65% .65%

48-MO $25,000.00 .65% .65%

IRA Certificates -60 Month

Effective Date: 12/07/2011

Term Deposit Amount Rate APY*

No rates found.

Dividends are compounded and paid quarterly on IRA certificates. We may impose a penalty if withdraw is made before maturity date. Other rates and terms available Annual maintenance fee of $10.00 * = Annual Percentage Yield This credit union is federally insured by the National Credit Union Administration

TRADITIONAL IRA
A Traditional IRA can offer the possibility of tax deferral, with earnings remaining tax-sheltered until withdrawn. Your contributions may be fully or partially tax deductible, depending on your income level and participation in other benefit plans. Consult your tax advisor.

ROTH IRA
A Roth IRA provides for tax-free withdrawals of contributions and earnings, assuming certain conditions are met. Contributions are not tax deductible, but withdrawals after age 59 1/2 are tax free if the funds have been in the account for at least five years. Consult your tax advisor.

Loan Rates

Loan rates are effective as of 03/24/2011

Consumer Loans

Effective Date: 10-26-2011

Loan Type Loan Amount Max Term Fixed Rate* as low as

New Auto
MSRP + Tax & Lic.
60-84 Months 3.25% ** APR

Used Auto
7 yr / Newer
100% retail
KBB + Tax/Lic.
60-84 Months 3.50% ** APR

Used Auto
8yr / Older
100% Low
KBB + Tax/Lic.
48-72 Months 6.25% ** APR

Signature
$10,000
per signature
with FICO
above 700
60 Months 9.25% ** APR

Personal Line of Credit
$10,000
per signature
FICO 650 and
above
Open
Variable rate
based on Prime
plus 4% or 5%
depending on FICO
no lower than 7.25%
APR

Recreation Vehicles 100% Financing 60-72 Months 6.00% ** APR

Share Secured
100% of share
balance
60 Months
3.00%
above dividend rate

* Rates are determined by term & credit score. Rates disclosed are 700 FICO and above, with rate discount of .25% for automatic payment for 60 months. We also have competitive rates for our members with lower FICO scores. All loans are calculated on simple interest with no pre-payment penalty.

Filing Fee: DMV charges a transfer fee to place and release the credit union's name as lien holder of security used for loan.

Late charge: Basic Personal Loan - Flat $25.00 late fee when payment is more than 15 days delinquent.
Personal Line of Credit - Flat $25.00 late fee when payment is more than 15 days delinquent.

Credit Life and Credit Disability Insurance is available and designed to give you extra security on your loans. Ask us about this affordable insurance on your next loan.

**APR is the Annual Percentage Rate.

Fee Schedule
Regular Share Accounts
Share Account with balance of $25.00 or more	None
Balance below $25.00 per month	$ 10.00
Dormant Account (after 2 years no activity) per quarter	$10.00

Checking Accounts
Basic Free Checking	None
Plus Checking - $500.00 minimum balance	None
Plus Checking - balance below $500.00	$6.00

Miscellaneous Fees
Non-sufficient funds (NSF) - each (maximum charge per day $100.00)	$25.00
Return of cashed/deposited third party checks	$20.00
Return of cashed/deposited check from yourself	$25.00
VISA Check Card NSF - each ($100.00 per day max)	$25.00
ATM non-sufficient funds fee	$25.00
ATM Card re-issuance/negligence ($110.00 rush order)	$60.00
Automated Clearing House (ACH) NSF items	$25.00
Money Orders	$1.50
Record Research ($15.00 minimum) per hour	$15.00
Stop Payment on Checking Account	$25.00
Stop Payment on ACH & Electronic Debits	$25.00
Stop Payment on Credit Union Check	$25.00
Legal Process of Levies, Tax Liens, Attachments, etc.	$25.00
Lien satisfied	$25.00
Removing our name as Lien holder (DMV charge to us)	$15.00
Force Place Insurance Fee (placement and removal)	$25.00
Photocopies of statements - each	$2.50
Temporary Checks - Free upon opening account - thereafter	$5.00
Account Closure within 90-days of opening	$25.00
Account Re-open within 90-days of closing	$25.00
IRA Annual Fee	$10.00
Credit Union to Credit Union Wire Transfer	$5.00
Outgoing Wire	$25.00
International Outgoing Wire	$50.00
Credit Union Bank Check made out to third party	$1.50
On-line Bill Pay (monthly fee will be waived as long as you use it once a month)	$10.00

Share Account
Effective Date: 12/07/2011
Dividend Rate	APY*
0.05%	0.05%
This account estabilishes your credit union membership. $25.00 minimum opening deposit. $5.00 one time entry fee. $100.00 balance required to earn dividend. Dividends compound and pay quarterly. 3 withdrawals per month, thereafter $1.00 charge. APY* = Annual Percentage Yield.

Share Certificates - 3 Month
Effective Date: 12/07/11
Term	Deposit Amount	Rate	APY*
3-MO	$1,000.00	.05%	.05%
3-MO	$2,500.00	.05%	.05%
3-MO	$4,000.00	.05%	.05%
3-MO	$10,000.00	.05%	.05%
3-MO	$25,000.00	.05%	.05%

Share Certificates - 6 Month
Effective Date: Saturday, February 4th, 2012
Term	Deposit Amount	Rate	APY*
6-MO	$1,000.00	.05%	.05%
6-MO	$2,500.00	.05%	.05%
6-MO	$4,000.00	.05%	.05%
6-MO	$10,000.00	.05%	.05%
6-MO	$25,000.00	.05%	.05%

Share Certificates - 12 Month
Effective Date: Saturday, February 4th, 2012
Term	Deposit Amount	Rate	APY*
12-MO	$1,000.00	.10%	.10%
12-MO	$2,500.00	.10%	.10%
12-MO	$4,000.00	.10%	.10%
12-MO	$10,000.00	.10%	.10%
12-MO	$25,000.00	.10%	.10%

Share Certificates - 24 Month
Effective Date: Saturday, February 4th, 2012
Term	Deposit Amount	Rate	APY*
24-MO	$1,000.00	.15%	.15%
24-MO	$2,500.00	.15%	.15%
24-MO	$4,000.00	.15%	.15%
24-MO	$10,000.00	.25%	.25%
24-MO	$25,000.00	.25%	.25%

Share Certificates - 36 Month
Effective Date: 12/07/2011
Term	Deposit Amount	Rate	APY*
36-MO	$1,000.00	.40%	.40%
36-MO	$2,500.00	.45%	.45%
36-MO	$4,000.00	.45%	.45%
36-MO	$10,000.00	.50%	.50%
36-MO	$25,000.00	.50%	.50%

Share Certificates - 48-Month
Effective Date: 12/07/2011
Term	Deposit Amount	Rate	APY*
48-MO	$1,000.00	.50%	.50%
48-MO	$2,500.00	.60%	.60%
48-MO	$4,000.00	.60%	.60%
48-MO	$10,000.00	.65%	.65%
48-MO	$25,000.00	.65%	.65%

Share Certificates - 60 Month
Effective Date: 12/07/2011
Term	Deposit Amount	Rate	APY*
60-MO	$1,000.00	.65%	.65%
60-MO	$2,500.00	.70%	.70%
60-MO	$4,000.00	.70%	.70%
60-MO	$10,000.00	.90%	.90%
60-MO	$25,000.00	.90%	.90%

IRA Certificates - 3 Month
Effective Date: 12/07/2011
Term	Deposit Amount	Rate	APY*
3-MO	$1,000.00	.05%	.05%
3-MO	$2,500.00	.05%	.05%
3-MO	$4,000.00	.05%	.05%
3-MO	$10,000.00	.05%	.05%
3-MO	$25,000.00	.05%	.05%

IRA Certificates - 6 Month
Effective Date: 12/07/2011
Term	Deposit Amount	Rate	APY*
6-MO	$1,000.00	.10%	.10%
6-MO	$2,500.00	.10%	.10%
6-MO	$4,000.00	.10%	.10%
6-MO	$10,000.00	.10%	.10%
6-MO	$25,000.00	.10%	.10%

IRA Certificates -12 Month
Effective Date: 12/07/2011
Term	Deposit Amount	Rate	APY*
12-MO	$1,000.00	.15%	.15%
12-MO	$2,500.00	.15%	.15%
12-MO	$4,000.00	.15%	.15%
12-MO	$10,000.00	.15%	.15%
12-MO	$25,000.00	.15%	.15%

IRA Certificates -24 Month
Effective Date: 12/07/2011
Term	Deposit Amount	Rate	APY*
24-MO	$1,000.00	.30%	.30%
24-MO	$2,500.00	.30%	.30%
24-MO	$4,000.00	.30%	.30%
24-MO	$10,000.00	.30%	.30%
24-MO	$25,000.00	.30%	.30%

IRA Certificates -36 Month
Effective Date: 12/07/2011
Term	Deposit Amount	Rate	APY*
36-MO	$1,000.00	.40%	.40%
36-MO	$2,500.00	.45%	.45%
36-MO	$4,000.00	.45%	.45%
36-MO	$10,000.00	.50%	.50%
36-MO	$25,000.00	.50%	.50%

IRA Certificates -48 Month
Effective Date: 12/07/2011
Term	Deposit Amount	Rate	APY*
48-MO	$1,000.00	.50%	.50%
48-MO	$2,500.00	.60%	.60%
48-MO	$4,000.00	.60%	.60%
48-MO	$10,000.00	.65%	.65%
48-MO	$25,000.00	.65%	.65%

IRA Certificates -60 Month
Effective Date: 12/07/2011
Term	Deposit Amount	Rate	APY*
No rates found.

Consumer Loans
Effective Date: 10-26-2011
Loan Type	Loan Amount	Max Term	Fixed Rate* as low as
New Auto	MSRP + Tax & Lic.	60-84 Months	3.25% ** APR
Used Auto	7 yr / Newer 100% retail KBB + Tax/Lic.	60-84 Months	3.50% ** APR
Used Auto	8yr / Older 100% Low KBB + Tax/Lic.	48-72 Months	6.25% ** APR
Signature	$10,000 per signature with FICO above 700	60 Months	9.25% ** APR
Personal Line of Credit	$10,000 per signature FICO 650 and above	Open	Variable rate based on Prime plus 4% or 5% depending on FICO no lower than 7.25% APR
Recreation Vehicles	100% Financing	60-72 Months	6.00% ** APR
Share Secured	100% of share balance	60 Months	3.00% above dividend rate

Rates & Fees

Checking

Basic Free Checking

Plus Checking

IRA - INDIVIDUAL RETIREMENT ACCOUNT

Loan Rates

Fee Schedule

Regular Share Accounts

Checking Accounts

Miscellaneous Fees

Basic Free
Checking

Plus
Checking