Credit Union Closed
Mon., January 18
Martin Luther King Jr. Day

Mon., February 15
   President's Day

Mon., May 31
   Memorial Day

Mon., July 5
   Independence Day

Mon., September 6
  Labor Day

Mon., October 11
   Columbus Day

Wed., November 11
   Veterans Day

Thurs. & Fri.
Nov. 25 & 26
   Thanksgiving
For your convenience, the drive thru will be open until 6:00 PM on Wednesday, Nov. 24.

Thurs., December 23
   Christmas Holiday

Fri., December 24
   Christmas Holiday
For your convenience, the drive thru will be open until 6:00 PM on Wednesday, Dec. 22.

RATES EFFECTIVE FEBRUARY 1, 2010
**Rates subject to change monthly**
Annual Yields are compounded monthly
Credit Union may match CD rates of other Financial Institutions

  Terms Rate Annual Percentage Yield
Certificates of Deposit  
$1,000 Minimum
Early withdrawal penalties may apply to Term Share Accounts (CD's).
90 Days 0.80% 0.802%
180 Days 1.05% 1.055%
365 Days 1.30% 1.307%
2 Years 1.55% 1.561%
3 Years 1.90% 1.916%
       
Regular IRA   1.50% 1.510%
       
Regular Shares   0.40% 0.401%
Super Share Rates 2,501.00-4,999.99 0.50% 0.501%
  5,000.00-9,999.99 0.60% 0.602%
  10,000.00-24,999.99 0.70% 0.702%
  25,000.00 & Over 0.80% 0.803%
       
Club Accounts   0.50% 0.501%
Draft Accounts   0.20% 0.200%

Loan Rates
  Terms Rate
VEHICLE LOANS    
New Vehicle

2 years
3 years
4 years
5 years
6 years
4.75%
5.00%
5.25%
5.50%
6.50%
Pre-Owned Vehicles
2005-2009
2000-2004

up to 5 years
up to 4 years

5.50%
6.50%
Classic vehicles 3 years 14.50%
MOTORCYCLE LOANS    
New motorcycles up to 5 years 5.50%
Pre-owned
2005-2009
2000-2004

up to 5 years
up to 4 years

5.50%
6.50%
WATERCRAFT LOANS    
New watercraft up to 5 years 8.50%
Pre-owned up to 5 years 9.50%
Over $25,000 up to 7 years 9.50%
MOTORHOME / TRAVEL TRAILER    
New / pre-owned up to 10 years 9.00%
FARM EQUIPMENT    
New / pre-owned up to 5 years 9.00%
Credit union may match dealership rates for loan types stated above.
PERSONAL LOAN RATES    
Share Secured 3 years 5.00%
CD Secured


  3.00%
above CD rate
Unsecured loans 3 years 13.00%
Unsecured loans with collateral 3 years 10.00%
MasterCard / Gold / Platinum
Introductory APR for 1 year on purchases & balance transfers
  12.99% / 10.99% / 8.99%
Visa / Gold
Introductory APR for 1 year on purchases & balance transfers
  12.99% / 10.99% / 8.99%
     
½ off for payroll deduction or automatic payment on vehicle, motorcycle, watercraft, motorhome/traveltrailer or farm equipment loans. Add 3.50% for Class A- loans (not to exceed 18%), some restrictions apply.

FEE SCHEDULE  
The following fees will be effective February 1, 2009:
NSF Fees for ACH, ATM & Share Drafts $30.00 per item
Stop Payments $30.00 per item
Early Account Closure Fee (within 60 days) $25.00
Outgoing Wire Fee $15.00 per wire