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APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates

Rates as of 10/29/2008.
Rate Description	Term	Payment Description	APR	APR Type
New & Used Car Financing (2003 & Newer)	Up to 7 Years!	Rates as low as	4.49%	Fixed
Used Vehicle - Over 5 Years Old, Motorcycles, Boats, and Recreational Vehicles	Based on Vehicle	Rates as low as	5.49%	Fixed
Unsecured Loan	Up to 48 Months	Rates as low as	9.50%	Fixed
First Mortgage - Fixed	Fifteen Years	Rates as low as	5.99%	Fixed
First Mortgage - Five Year Balloon	Up to Thirty Years	Rates as low as	5.49%	Fixed
Equity Loan	5 Year Balloon	Rates as low as	5.99%	Fixed
Home Equity Line of Credit	Revolving Line Prime Plus .5%	1% of Amount Borrowed (as low as)	4.50%	Variable
New Mobile Home	Up to Ten Years	Rates as low as	12.00%	Fixed
Kwik Cash	Revolving Line	$5.00 per $100.00 Borrowed	12.25%	Variable
Kwik Cash Plus	Rates as Low as Prime Plus 4%	2% of Amount Borrowed (as low as)	8.00%	Variable

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Certificates

Rates as of 10/29/2008.
Rate Description	Term	Dividend Rates	APY
Share Certificate	Two Year	3.00%	3.03%
Share Certificate	One Year	2.75%	2.78%
Share Certificate	Six Months	2.50%	2.52%
Share Certificate	Three Months	2.25%	2.27%

NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Savings/Shares Rates

Rates as of 10/29/2008.
Rate Description	Term	Dividend Rates	APY
Regular Share Accounts		0.50%	0.50%
School Savings		1.00%	1.00%
Christmas Savings		1.50%	1.50%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

IRAs

Rates as of 10/29/2008.
Rate Description	Term	Dividend Rates	APY
IRA Open Account		2.00%	2.02%
IRA Share Certificate	Two Years	3.00%	3.03%
IRA Share Certificate	One Year	2.75%	2.78%
IRA Share Certificate	Six Months	2.50%	2.52%
IRA Share Certificate	Three Months	2.25%	2.27%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.