Current Rates

• Loan Rates
• Savings Rates
• Disclosures

LOAN RATES

LOAN TYPE TERM APR Autos (New to 5 years old) 0 - 60 Months 4.99% Autos (New to 5 years old) 61 - 72 Months 5.24% Autos (Over 5 years old) 0 - 48 Months 6.69% Autos (Over 5 years old with loan value of $15,000+) 49 - 60 Months 6.69% Boats 0 - 72 Months 6.69% Motorcycles (Under $10,000) 0 - 72 Months 6.69% $10,000 & Over New to 5 years old Over 5 years old 0 - 60 Months 72 Months 0 - 60 Months 4.99% 5.24% 6.69% Lawn Mowers / Tractors / Equipment 0 - 60 Months 6.69% Campers 0 - 84 Months 6.69% Recreational Vehicles 0 - 84 Months 6.69% Share Draft / Overdraft $0 - $250 / $10. 18.00%   $251 - $500 / $20.00 18.00%   $501 - $750 / $30.00 18.00%   $751-$1,000 / $40.00 18.00% All Other Advances Sig. line of credit 12.90% Fully Secured by Share Certificate 2% Above Cert Rate   Fully Secured by Shares & Daily Action 0 - 60 Months 4.99%   Over 60 Months 5.24%

SAVINGS RATES

TERM APY DIV Regular Shares 1.00% 1.01% Daily Action 1.15% 1.16% Six Month Certificate 1.40% 1.41% Twelve Month Certificate 1.50% 1.51% Thirty Month Certificate 2.30% 2.32% Sixty Month Certificate 2.70% 2.73% JUMBO 1 YEAR 2.00% 2.02% MINI-JUMBO 1.75% 1.76% EDUCATION IRA 6 MO CD 1.40% 1.41% EDUCATION IRA 12 MO. 1.50% 1.51% EDUCATION IRA JUMBO CD 12 2.00% 2.02% EDUCATION IRA MI JUMBO 12 1.75% 1.76% EDUCATION IRA 30 MO CD 2.30% 2.32% EDUCATION IRA 60 MO CD 2.70% 2.73% ROTH IRA 6 MO CD 1.40% 1.41% ROTH IRA 12 MO CD 1.50% 1.51% ROTH IRA JUMBO CD 2.00% 2.02% ROTH IRA MINI JUMBO CD 12 1.75% 1.76% ROTH IRA 30 MO CD 2.30% 2.32% ROTH IRA 60 MO CD 2.70% 2.73% TRADITIONAL IRA 6 MO CD 1.55% 1.56% TRADITIONAL IRA 12 MO CD 1.50% 1.51% TRAD. IRA JUMBO CD 12 MO 2.00% 2.02% TRAD. IRA MINI JUMBO CD 12 MO 1.75% 1.76% TRADITIONAL IRA CD 30 MO 2.30% 2.32% TRADITIONAL IRA 60 MO CD 2.70% 2.73%

DISCLOSURES

Share Certificates

• The stated APY (Annual Percentage Yield) assumes that dividends will be credited to the Certificate quarterly.
• Dividends are paid from current income after required transfers to reserves.
• Minimum balance is $1000
• Substantial penalty for early withdrawal.
• After the certificate is opened you may NOT make deposits until the maturity date.
• All rates subject to change without notice!
• Savings are federally insured to at least $100,000 by the National Credit Union Administration, a U.S. Goverment Agency
• Contact Credit Union Personnel for additional information (256) 637-6511.

Loans

• (APR) Annual Percentage Rate may change periodically.
• Contact Credit Union Personnel for additional information (256) 637-6511.

Regular Share Account

• The par value of a regular share in this credit union is $25
• The listed rates are current as of the last quarter.
• The dividend rate has not yet been determined for this quarter.
• Dividends are paid from current earnings after required transfers.
• If you close your account you will not earn any accrued dividends.
• Contact Credit Union Personnel for additional information (256) 637-6511.

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