Vehicle Loans	Savings Accounts	IRAs
Home Loans	Specialty Savings	Checking Accounts
Other Loans	Savings Certificates

LOAN RATES

New & Used Vehicle Loans
 

Home Loans - Minnesota, Georgia, Wisconsin, Tennessee, Florida, Mississippi and Arizona only.
 

Other Loans
 

Loan Disclosure: *APR = Annual Percentage Rate. Rates include a .5% APR discount for repayment of loan through payroll deduction or debit from a US Federal account. Add .25% APR to rates if payment is a debit from another financial institution. All loans subject to normal credit approval. Rates and terms subject to change. Contact a US Federal loan officer for details. All loan rates presented for consumer loans only and not applicable to business loans. Payment examples are available by clicking here. Vehicle, Boat & RV Loans: Rates may be higher depending on credit qualifiers, model year and the loan term. Credit qualifiers determine eligibility for 100% financing, in some cases a down payment may be required. Fixed Rate Home Equity Loans: Rates may be higher depending on credit qualifiers, loan term and loan to value (LTV). Consult your tax advisor about the tax deductibility of interest paid on a home equity or home improvement loan.

**Home Equity Line of Credit: The 4.50% Annual Percentage Rate (APR) is available with qualifying credit and a loan to value (LTV) of 70% or less. Higher rates apply to higher loan to values. The APR will vary based on an index. The index is the Prime Rate as published the 25th day of the month prior to the date of the interest adjustment in the Money Rates column of the Wall Street Journal. As of January 1, 2010 the variable APR for lines of credit is 4.50% - 7.00%. The rate is subject to change, but will not exceed 18%. The minimum rate is 4.50%. Closing costs typically range from $0 to $250. In most cases, members pay little or no closing costs. There is an over-the-limit charge of $10. Consult your tax advisor regarding the deductibility of interest. Property insurance is required. For detailed product information, please view the HELOC⁴ Early Disclosure.

DEPOSIT RATES
 

Savings Accounts - APYs for quarter ending June 30, 2010.
 

Specialty Savings - APYs prospective for August 2010.
 

Savings Certificates - APYs effective July 27 - August 2, 2010.
 

Individual Retirement Accounts (IRAs) - APYs effective July 27 - August 2, 2010.
 

Checking Accounts - APYs prospective for August 2010.
 

Deposit Disclosure: APY = Annual Percentage Rate. All rates subject to change. Early withdrawal penalties may apply to certificate accounts. To receive Amplified Tier I/Tier II rate you must meet the following requirements per statement cycle: 10 check card purchase transactions, one automatic deposit or withdrawal, and must be enrolled in E-statements with valid e-mail address. 10 Check Card purchases must be completed within designated monthly time-frame. Purchases posted on the last day of each month count toward next month's total. If the minimum requirements are not met in a statement cycle then the basic rate will apply to all balances. One account per individual. Cash-Back rewards not available on check card in conjunction with Amplified Checking. All deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the United States Government.

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