APR refers to the annual percentage rate or the dividend rate. APY refers to the annual percentage yield. Loan Rates Rates as of 1/6/2011. Auto Loans (2011-2005) Credit Score 720 & Above Credit Score 719-670 Credit Score 669-601 Credit Score  600 & Below 36 Months 5.75% 6.25% 7.25% 9.25% 48 Months 6.00% 6.50% 7.50% 9.50% 60 Months 6.25% 6.50% 8.50% 10.50% 66 Months ('11,'10','09 only) 6.50% 7.25%  n/a n/a 72 Months (Brand new only) 7.50% 8.00% Auto Loans (2004 & Older) Minimum of $5000.00 Credit Score 720 & Above Credit Score 719-670 Credit Score 669-601 Credit Score  600 & Below 36 Months 8.25% 8.75% 9.50% 13.00% 48 Months 8.50% 9.25% 9.75% 13.25% Signature Loans   Up to 42 Months 14.90% Collateralized, with receipt 12.50%   Buy Downs 0.15% for each: Primary Checking Account, Payroll Deduction, Income to Debt Below 30%, No Previous Delinquencies   Processing Fee: $25.00   Loan Value is based on NADA Clean Retail value Brand New vehicles: can finance 90% of clean retail Used: 80% of clean retail 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 12/29/2011. Rate Description Term Dividend Rates APY   $1000.00 MINIMUM 12 Months Money Renewed 0.80%   $1000.00 MINIMUM 12 Months New Money 0.65%   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 3/7/2011. Rate Description Term Dividend Rates APY   REGULAR SAVINGS MONTHLY 0.15% 0.15%   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.