APR refers to the annual percentage rate or the dividend rate. APY refers to the annual percentage yield. Loan Rates Rates as of 7/23/2009. Rate Description Term Payment Description APR APR Type 2009-2003 3 TO 5 YEARS (UP TO 6 YEARS ON 06-09) STARTS AT 10.500 DOWN TO 5.750 7.00% Fixed 2002 & OLDER 3 YEARS (4 YEARS IF $5000 FINANCED) STARTS AT 13.250 DOWN TO 8.250) 9.00% Fixed RECREATIONAL 2 TO 5 YRS STARTS AT 11.25% BUY DOWN TO 7.250% 9.50% Fixed SIGNATURE 42 MONTHS   14.90% Fixed COLLATERALIZED 42 MONTHS/NEED RECEIPT   12.50% Fixed 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 7/23/2009. Rate Description Term Dividend Rates APY   $1000.00 MINIMUM 12 MONTHS 1.75% 1.77%   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 7/23/2009. Rate Description Term Dividend Rates APY   REGULAR SAVINGS MONTHLY 0.30% 0.30%   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.