Loan rates effective July 15, 2013


Checking, Savings and Certificate rates effective January 1, 2014
HOME LOANS
RATE
APR*
TERM
Home Equity: 3 Years4.0004.00036
Home Equity: 5 Years4.1504.150060
Home Equity: LOC3.0003.000N/A
Home Improvement4.1504.15060
VEHICLE LOANS
RATE
APR*
TERM
New Auto: 5 Years3.4503.45060
New Auto: 4 Years3.2003.20048
Used Auto: 5 Years3.4503.45060
Used Auto: 4 Years3.2003.20048
New Boat, Motor & Trailer3.7003.70060
Used Boat, Motor & Trailer3.7003.70048
PERSONAL LOANS
RATE
APR*
TERM
Personal8.7508.75024
Personal Line of Credit9.0009.00036

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

CHECKING
RATE
APY*
Checking.05%.05%
Checking Plus.07%.07%
Classic Checking.07%.07%
Business Checking.05%.05%
eVANTAGE CHECKING
RATE
APY**
$.01 - $20,0002.23%2.25%
$20,000.01 and greater0.25%0.25%
Non-qualifying base0.10%0.10%
BUSINESS PLUS CHECKING
RATE
APY*

$2,000-$24,999.99

0.10%
0.10%

$25,000-$49,999.99

0.11%

0.11%

$50,000-$99,999.99
0.12%
0.12%
$100,000 and greater
0.15%
0.15%
* APY = Annual Percentage Yield. Rates are effective 1/1/14. All rates are subject to change daily.

** APY eVantage = Annual Percentage Yield. Qualifications must be met during qualification cycle in order to earn the higher yields and to receive limited nationwide ATM fee refunds. Ask an MSR for complete details or visit evantagechecking.com

SAVINGS
RATE
APY*
Savings.07%.07%
IRA Savings**.40%.40%
Christmas Club.07%.07%
MONEY MARKET
RATE
APY*
$1,000-$2,499.99.07%.07%
$2,500-$4,999.99.09%.09%
$5,000-$9,999.99.11%.11%
$10,000-$24,999.99.12%.12%
$25,000 and greater.15%.15%
HEALTH SAVINGS ACCOUNT
RATE
APY*
$1,000-$2,499.99.07%.07%
$2,500-$4,999.99.09%.09%
$5,000-$9,999.99.11%.11%
$10,000-$24,999.99.12%.12%
$25,000 and greater.15%.15%
* APY = Annual Percentage Yield. Rates are effective 1/1/14. Money Market rates are subject to change on the 15th of each month. All other rates are subject to change daily.


** Annual savings program, penalty for early withdrawal.

TERM
MINIMUM
RATE
APY*
3 Months$10,000.10%.10%
6 Months$5,000.18%.18%
12 Months$1,500.25%.25%
18 Months$1,000.35%.35%
24 Months$500.50%.50%
30 Months$500.60%.60%
36 Months$500.70%.70%
48 Months$5001.00%1.00%
60 Months$5001.09%1.09%

NOTE: Certificates in bold may be structured as IRA Certificates **

* APY = Annual Percentage Yield. Rates are effective 1/1/14. All rates are subject to change daily.

** Annual savings program, penalty for early withdrawal.