Rates

Loans | Savings | Certificates | Health Savings Account

Updated as of April 16, 2008

Rates are subject to change.
Rates stated are lowest available based on credit history and account relationships.

Loans	Rate	APR*	Term
Home Equity 3 Years	5.750	5.750	36	Calculator
Home Equity 5 Years	6.000	6.000	60	Calculator
Home Equity LOC	5.000	5.000	n/a	Calculator
Home Improvement	6.750	6.750	60	Calculator
New Auto 5 yrs	5.250	5.250	60	Calculator
New Auto 4 yrs	5.000	5.000	48	Calculator
Used Auto 5yrs	6.250	6.250	60	Calculator
Used Auto 4 yrs	6.000	6.000	48	Calculator
New Boat, Motor & Trailer	5.750	5.750	60	Calculator
Used Boat, Mtr & Trlr 4 yrs	6.000	6.000	48	Calculator
Personal	9.500	9.500	24	Calculator
Personal Line of Credit	9.750	9.750	n/a	Calculator

*APR = Annual Percentage Rate. Rates may change without notice. Terms listed are maximum terms for qualified borrowers. Other conditions may apply, call the credit union for more information.
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Rates subject to change.

Savings	Rate	APY*	Term
Basic Checking	0.250	0.250	n/a
Checking Plus	0.500	0.500	n/a
Classic Checking	0.500	0.500	n/a
Business Checking	0.250	0.250	n/a
Business Plus Checking ($2,000 - $24,999.99)	1.540	1.550	n/a
Business Plus Checking ($25,000 - $49,999.99)	1.670	1.680	n/a
Business Plus Checking ($50,000 - $99,999.99)	1.990	2.000	n/a
Business Plus Checking ($100,000 and greater)	2.180	2.200	n/a
Share Savings	0.500	0.500	n/a
Sylvestor's Savers Club /Teen Club	0.500	0.500	n/a
Christmas Club	0.600	0.600	n/a
Money Market ($1,000 - $2,499.99)	1.000	1.000	n/a
Money Market ($2,500 - $ 4,999.99)	1.490	1.500	n/a
Money Market ($5,000 - $9,999.99)	1.690	1.700	n/a
Money Market ($10,000 - $24,999.99)	1.980	2.000	n/a
Money Market ($25,000 and Above)	2.180	2.200	n/a
IRA Share Savings	2.230	2.250	n/a

*APY = Annual Percentage Yield. Rates may change without notice. A share balance of $10 is required to earn dividends. Dividends are paid quarterly.
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Rates subject to change.

Certificates	Rate	APY*	Term
3 Month Share Certificate ($10,000 Min.)	2.770	2.800	3
6 Month Share Certificate ($5,000 Min.)	2.860	2.900	6
12 Month Share Certificate ($1,500 Min.)	3.150	3.200	12
18 Month Share Certificate ($1,000 Min.)	3.200	3.250	18
24 Month Share Certificate ($500 Min.)	3.250	3.300	24
30 Month Share Certificate ($500 Min.)	3.300	3.350	30
36 Month Share Certificate ($500 Min.)	3.350	3.400	36
48 Month Share Certificate ($500 Min.)	3.740	3.800	48
60 Month Share Certificate ($500 Min.)	3.930	4.000	60
12 Month IRA Share Cert. ($1,500 Min.)	3.150	3.200	12
24 Month IRA Share Cert. ($500 Min.)	3.250	3.300	24
36 Month IRA Share Cert. ($500 Min.)	3.350	3.400	36
48 Month IRA Share Certificate ($500 Min.)	3.740	3.800	48
60 Month IRA Share Certificate ($500 Min.)	3.930	4.000	60

*APY = Annual Percentage Yield. Rates may change without notice. A minimum deposit is required to open a share certificate. Substantial penalty for early withdrawal. Dividends paid monthly.
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Rates subject to change.

Health Savings Account Rate APY* Term

$0.01 - $2,499.99 1.000 1.000 n/a

$2,500.00 - $4,999.99 1.490 1.500 n/a

$5,000.00 - $9,999.99 1.690 1.700 n/a

$10,000.00 - $24,999.99 1.980 2.000 n/a

$25,000.00 and greater 2.180 2.200 n/a

*APY = Annual Percentage Yield. Rates may change without notice.

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