NEW AUTOS

4.0 % APR* for 3 years

4.5 % APR* for 4 years

5.0 % APR* for 5 years

Maximum $40,000

100% financing does not include taxes, registration or fees

USED AUTOS

5.0 % APR* for 36 months 2005 model or newer

6.0% APR* for 48 Months 2005 model or newer

Maximum $30,000

100% financing does not include taxes, registration or fees

NEW LOW MORTGAGE RATES

NOW IS THE TIME TO REFINANCE YOUR MORTGAGE

WITH THE CREDIT UNION

NEW LOW RATES OF

4.25% APR* FOR 15 YEARS OR 4.625% APR* 20 YEARS OR 5.00% APR* FOR 30 YEARS

FOR NEW VARIABLE RATE HOME EQUITY LOANS

Prime minus 1.00% For Term of Loan

$20,000 to $90,000

2% Annual Rate Cap, 5% For Term of Loan

FOR NEW HOME EQUITY LINE OF CREDIT

PRIME minus 0.75% FOR TERM OF LOAN 5 YEAR DRAW, 10 YEAR PAY BACK

Choice of

HOME EQUITY LOANS

No points

No closing costs on new loans!

FIXED RATES:

5.0% APR* for 4 to 5 years for $15,000 - $60,000

6.0% APR* for 4 to 10 years for $20,000 - $90,000

VARIABLE RATE:

Prime minus 1.00% for term of loan 4 to 15 years for $20,000 to $90,000

2% annual rate cap

5% rate cap for term of the loan

Variable rates are adjusted quarterly for the term of the loan

Current prime rate 3.25%

PERSONAL LOANS

NEW LOANS

10% APR* $1,000 to 6,000 for 1 - 4 years

10% APR* up to $12,000 with co-maker

REWRITE

11% after 6 months

SHARE PLEDGED LOANS

1.9% APR* over current dividend rate

Current share dividend 0.50%

*Annual Percentage Rate