Loan rates current as of 09/01/2008

Real Estate, Secured, and Signature Loans
Real Estate 1st Mortgage
15 year maximum	180 months	6.00%
Share Secured
	84 months (maximum)	2% Higher than current 1 yr CD
Open Line of Credit
up to $5,000.00	36 months	10.99%
Closed
up to $5,000.00	up to 18 months	8.00%
(Not over $5,000.00 w/o Credit Committee Approval)

Vehicle and Personal Loans
New Vehicles
36 months	4.99%
48 months	5.24%
60 months	5.49%
72 months	5.99%
Used Vehicles
36 months	5.49%
48 months	5.74%
60 months	6.24%
72 months	6.99%
New RV's, Motor Homes, Campers, Boats
36 months	4.99%
48 months	5.24%
60 months	5.49%
72 months	5.99%
Used RV's, Motor Homes, Campers, Boats
36 months	5.49%
48 months	5.74%
60 months	6.24%
Recreational Vehicles & Mowers (ATV, Jet Ski, Go Cart, etc)
24 months	5.99%
36 months	6.49%
48 months	6.99%
Furniture, Computers, & Appliances
24 months	7.74%
36 months	9.24%

• All Signature Term notes will be assessed a $25.00 loan processing fee.
• Late Charge: If your payment is 30 days late you will be charged a late fee of $15.00
• COLLECTION COSTS: You agree to pay all costs of collecting the amount you owe under this agreement. Including court costs and reasonable attorney fees paid to an individual who is not an employee of the credit union. The attorney fees you pay will not exceed 15% of the unpaid debt after default.