Loan Rates  |  Shares  | Certificates 

 Loan Rates are effective 1/1/2012

Sub Account	%	Approx	Daily Periodic Rate						Annual
Description	Above	months/							Percentage
	Index	Pmt Factor*							Rate
1  Share Term Account	3.00%	90 / 1.10%	DivRate + 3.00 % / 365						DivRate + 3.00%
2  Primary Shares	3.25%	90 / 1.10%	0.01027					%	3.75					%
**3  Autos and Pickups	3.00% to 6.75%	60 / 2.0%		0.00890	%	to	0.01917	%		3.25	%	to	7.00	%
2010 - 2012 (new)						or	0.03356%	Fixed				or	12.25%	Fixed
Finance greater than $30,000		74 / 1.7%
**3  Autos and Pickups (Purch/Refi)
2010 - 2011 Used	3.00% to 6.75%	60 / 2.0%		0.00890	%	to	0.01917	%		3.25	%	to	7.00	%
2006 - 2009		45 / 2.6%				or	0.03356%	Fixed				or	12.25%	Fixed
4  Universal	4.75% to 9.25%	36 / 3.7%		0.01643	%	to	0.02602	%		6.00	%	to	9.50	%
						or	0.04178%	Fixed				or	15.25%	Fixed
Universal Credit Line > $15,000		48 / 2.5%
Other Vehicles/Personal Property
**5  Motor home/RV (new)	5.50% to 9.25%	74 / 1.86%		0.01575	%	to	0.02602	%		5.75	%	to	9.50	%
(used)		36 / 3.7%
Finance greater than $30,000		120 / 1.2%
**6  Other Vehicles (Non-Purchase)
Auto 2006 - 2012	4.50% to 6.75%	45 / 3.2%		0.01643	%	to	0.01917	%		6.00	%	to	7.00	%
**6  Motorcycle	5.50% to 9.25%	36 / 3.3%		0.01575	%	to	0.02602	%		5.75	%	to	9.50	%
Boat/Camper Trailer < $15,000						or	0.03356%	Fixed				or	12.25%	Fixed
> $15,000		60 / 2.0%
L  Overdraft Protection	7.50%	36 / 3.7%	0.02123					%	7.75					%

*Multiply Payment Factor by Sub-Account balance after latest advance to obtain Basic Monthly Payment. Payment amount will not change with changes in Annual Percentage Rate.

**Collateral securing other loans with you will secure other credit union loans, now or in the future.

Annual Percentage Rate (APR)

The ANNUAL PERCENTAGE RATE will not increase to more than 18% (or such other rate as may be permitted under the Federal Credit Union Act) or decrease to less than the

respective percentage listed above for each Sub-Account, as long as my Sub-Account remains open.  My Finance Charge for every $1.00 in my daily balance, as well as the number

of my monthly payments, will increase if the Index Rate (a. Share Term Account b. Credit Union’s Primary Share or c. 91-day U.S. Treasury Bills as listed below) rises and will

decrease if the Index Rate falls.  For example, a change in the Index Rate of one percentage point will result in a one percentage point change in the same direction in my APR, with

a corresponding change in my daily periodic rate. My minimum Monthly Payment and Payment Schedule will be shown on the Funds Advance Voucher whenever an advance is taken.

(a)       My Share Term Sub Account is a variable rate Sub-Account.  The Annual Percentage Rate (APR) on the Share Term Sub-Account will equal the dividend rate being paid

on this Share Term Account pledged as collateral for this Sub-Account plus 3.0%, and will be disclosed to me when I access this Sub-Account. If my share term account

matures before my outstanding balance is paid off, the term account will be renewed automatically unless I payoff my outstanding balance.  Because the APR and daily

periodic rate in effect when I access this Sub-Account may change based upon changes in the share term account rate at the time the account is renewed, this

Sub-Account has a variable rate feature.  The APR may change on the date the term account is renewed, and will be 3.0% above the share term account rate when the account is renewed.

(b)       My Primary Shares Sub-Account is a variable rate Sub-Account. The Annual Percentage Rate on the Primary Shares Sub-Account is subject to change quarterly based

on changes in the latest posted dividend rate on the Credit Union’s Primary Shares. The APR in a given calendar quarter will equal 3.25% above the Credit Union primary

shares rate in effect on the last day of the preceding calendar quarter, rounded to the nearest quarter of a percent.  The new APR for each calendar quarter will go into

effect on the first day of January, April, July and October, and will stay in effect until the dividend rate changes.

(c)       My (3) New/Used Autos and Pickups, (4) Universal (L) Overdraft Protection, (5) Motor homes/RV’s, (6) Other Vehicles/Personal Property, are variable rate Sub-Accounts. The

Annual Percentage Rate is subject to change monthly based upon changes in the rate of the 91-day U.S. Treasury Bill (the “Index”).  The APR will equal the sum of the

index plus a margin within the range shown above in the “% Above Index” column.  The APR may change on the first day of each month, based upon the Index as

announced by the Federal Reserve Bank the third week of each month, rounded to the nearest quarter of a percent.  The APR will not decrease to less than (3&5) 9.25%

and (4&6) 12.25% as long as this Sub-Account remains open. For a limited time, the APR will not decrease to less than (3) 3.0%on loans issued after 1Jun2004 ;( 5) 5.0% and (4, 6 and L) 6.0%.

My minimum monthly payment will never be less than $40.00 for Sub-Accounts 1 and 2; $70.00 for all others.

The maximum permissible deductible is $500.00 on insurance coverage for comprehensive and collision coverage.

COLLECTION COSTS:  I promise to pay, subject to any limits under applicable law, all costs of collecting the amount I owe under this agreement.  This

includes, but is not limited to reasonable attorney fees and court costs as well as legal expenses for any bankruptcy, appeals or post judgment proceedings.

MINIMUM share balance of $100.00 is required.

LATE CHARGE:  If I fail to pay at least the Minimum Payment on any Sub-Account within 7 days after it is due, a Late Charge of 20% of the interest due, with

a minimum late charge of $10.00 for each late payment may be assessed.

I UNDERSTAND THAT WITH payroll deduction or electronic deposit, except for Sub-Account 1and L, I may earn a discount of .25% from above rates.  (Will not reduce below floor)  The discount ends

when automatic payment ends, or with any default in my agreement.

To Borrower:  As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting

agency if you fail to fulfill the terms of your credit obligations.

 

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Quarterly Dividend Accounts

Latest rate declared for:  12/31/2011
Regular Shares, IRA Accumulator, Share Draft, and Club
Dividend 0.35%  Yield (APY) 0.35% Variable

Share Term Accounts ( Monthly Dividend )

Term (Months)	Minimum	APY
		Dividend	Yield
3 to 6 Months	$2500.00	.40	.40
7 to 12 (IRA term acct. 12 mos, 500 min)	$2500.00	.45	.45
13 to 17  Months	$500.00	.55	.55
18 to 23 Months	$500.00	.65	.65
24 to 35 Months	$500.00	.75	.75
36 to 60 Months	$500.00	.90	.90
48 to 144 (*Variable)	$500.00	1.025	1.026

*(Variable Index is 91-Day  US Treasury Bill.  Add 1% to rate of 3rd week each month)

Rates subject to change without notice.
Complete disclosure available upon request.

*APY(Annual Percentage Yield) assumes dividend remains on deposit.
 Share-Term accounts from 24 to 60 months are eligible for a one-time increase of .5% after 6 months, but not to exceed the rate available at time of increase.

Member share deposits insured to $250,000.00
IRA shares separately insured to $250,000.00

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