Rates

Savings Rates - Effective Thursday, July 1, 2010
Account Type	Annual Percentage Rates (APR)	Annual Percentage Yield (APY)	Minimum Deposit	Minimum Balance to Earn Dividends
PRIMARY SHARE / SAVINGS	0.250%	0.250%	$0.00	$100.00
SHARE DRAFT / CHECKING	0.000%	0.000%	$0.00	$0.00
MONEY MARKET DRAFT	0.250%	0.250% - 0.250%	$0.00	$100.00
MONEY MARKET DRAFT	0.300%	0.250% - 0.290%	$0.00	$2,500.01
MONEY MARKET DRAFT	0.350%	0.290% - 0.330%	$0.00	$10,000.00
MONEY MARKET DRAFT	0.500%	0.330% - 0.410%	$0.00	$25,000.00
MONEY MARKET DRAFT	0.500%	0.410% - 0.500%	$0.00	$50,000.00
CHRISTMAS CLUB	0.250%	0.250%	$0.00	$100.00
CLUB SHARES	0.250%	0.250%	$0.00	$100.00
IRA TRAD SHARES	1.000%	1.000%	$0.00	$100.00
EDUCATIONAL IRA SAVINGS	1.000%	1.000%	$0.00	$100.00
ROTH IRA SAVINGS	1.000%	1.000%	$0.00	$100.00

Fees may reduce earnings.
Rate may change after the account is opened.
APY could vary depending on balance attained and length of deposit at this level.

Loan Rates - Effective Saturday, July 31, 2010
Loan Type	Annual Percentage Rates (APR) as low as	Terms/Information
New & Used Auto 72 Months	5.490%	Rates as low as 5.74%*
New/Used Auto 2008-2010	5.240%	Rates as low as 3.74%*
New Vehicle 24 Months	3.740%	Rates as low as 3.74%
Used 2007 Auto	5.500%	Rates as low as 5.250%*
Used 2005 to 2006 Auto	6.000%	Great used rates! As low as 6.000% *
Used 2003-2004 Auto	8.250%	Great used rates! As low as 8.00% *
2002 and older Autos	9.250%	Great used rates! As low as 9.00%*
2002 and Older Autos 48 months	10.250%	Great used rates!
Vintage Auto	7.240%	25 yrs and older:Rates as low as 6.99%*
Titled Recreational	6.240%	1% over rate of car of same year; Rates as low as 5.99%*
Untitled Recreational	7.240%	2% over vehicle rate of same year; Rates as low as 6.99%*
Signature Loan	11.000%	Great Rates on Signature Loans! Rates as low as 10.00%*
Share Secured	3.000%	Best Rate of all - borrow on money on deposit in account

Your Actual APR (Annual Percentage Rate) will be based upon your individual credit worthiness, loan amount, term of loan and applicable prepaid items.
Additional charges may be applied for late payment.
A down payment may be required on any of our vehicle loans.

NEW! You don't even have to be a member yet.

Certificate Rates - Effective Saturday, July 31, 2010
Certificate Term	Annual Percentage Rates (APR)	Annual Percentage Yield (APY)	Minimum Deposit
30DAY MONEY MARKET MIN $10,000	0.250%	0.260%	$10,000.00
3 MONTH MIN $1000	0.300%	0.300%	$1,000.00
6 MONTH MIN $1000	0.400%	0.400%	$1,000.00
9 MONTH MIN $1000	0.400%	0.400%	$1,000.00
12 MONTH MIN $1000	0.750%	0.750%	$1,000.00
18 MONTH MIN $1000	0.750%	0.750%	$1,000.00
24 MONTH MIN $1000	1.000%	1.000%	$1,000.00
36 MONTH MIN $1000	1.500%	1.510%	$1,000.00
48 MONTH MIN $1000	2.000%	2.020%	$1,000.00
60 MONTH MIN $1000	2.000%	2.020%	$1,000.00
RISING RATE CD	1.750%	1.760%	$500.00

A penalty may be imposed for the early withdrawal from Certificate of Deposit Accounts.
Our new IRA CD's have the same rate and terms as above, please call for details!

** Call us for current Jumbo Certificate Rates!

Prime Rate
Current Rate:	3.250%
Effective:	Dec 16, 2008

Source: Federal Reserve Bank of St. Louis, http://research.stlouisfed.org/

Truth In Savings

SHARE ACCOUNT: As of the last dividend declaration date, the dividend rate was .25% with an annual percentage yield (APY) of .25% on your account. The dividend rate and annual percentage yield (APY) on this account may change every quarter as determined by our board of directors.
CLUB ACCOUNT: As of the last dividend declaration date, the dividend rate was .25% with an annual percentage yield (APY) of .25% on your account. The dividend rate and annual percentage yield (APY) on this account may change every quarter as determined by our board of directors.
CHRISTMAS CLUB ACCOUNT: As of the last dividend declaration date, the dividend rate was .25% with an annual percentage yield (APY) of .25% on your account. The dividend rate and annual percentage yield (APY) on this account may change every year as determined by our board of directors.
IRA ACCOUNT: The interest rate on your deposit account is 1.00% with an annual percentage yield (APY) of 1.00% . For purposes of this disclosure, this is a rate and APY that were offered within the most recent seven calendar days and were accurate as of 04/01/2009 . Please call 248-625-2923 to obtain current rate information. The interest rate and annual percentage yield (APY) may change every quarter based on the determination of the credit union board of directors.