Related Information

Type	Term	APR**
Personal Loans	1 – 5 years	9.25% – 14.50%
	6 years	9.50% – 14.50%
	up to 7 years	9.75% – 15.00%
New Auto Loans	36 – 48 months	4.75% – 12.00%
	60 months	4.75% – 12.00%
	72 months	5.75% – 9.00%††
	84 months	6.75% – 8.00%††
Used Auto Loans†	36 months	4.75% – 13.00%
	48 months	4.75% – 13.00%
	60 months	4.75% – 13.00%
Home Equity Loans	N/A	3.99%*

Rates effective November 1, 2007

Note: For rates and margins shown as ranges, the Annual Percentage Rate (APR) and margin, if applicable, you receive will be within the range disclosed above and is based on your credit worthiness. Please ask us for the initial rate that you qualify for.

*This is a special rate which will be in effect until 12/31/11, after which the rate will return to normal rate based on the appropriate index as disclosed in the loan documents.

**APR = Annual Percentage Rate. Rates and terms subject to change. For any inquires, please call the credit union.

Full Rate Disclosure ≥

† 100% of the Kelly Blue Book retail value.

†† Some restrictions apply.

Savings Rates

Type	Dividend Rate	APY*
Checking – Share Draft	0.1249%	0.1250%
Share Savings	0.2497%	0.2500%
Christmas Savings	0.2498%	0.2500%
Term Share Certificates
6 Month	0.499%	0.500%
12 Months	0.747%	0.750%
24 Months	0.995%	1.000%

Rates effective September 1, 2011

* APY = Annual Percentage Yield. Rates and terms are subject to change.