Rates

Savings

Account Type

Dividend Period

Declared Date

Interst Rate (%) / APY (%)

Share Savings

Quarterly

12/31/2014

3.00* / 3.0339*

Pioneer Education Savings

Quarterly

12/31/2014

4.00* / 4.0604*

Traditional IRA, Roth IRA & Education ESA

Quarterly

12/31/2014

3.50* / 3.5462*

Share Draft (Basic Checking)

Monthly

12/31/2014

0.50* / 0.5011*

Check Cashing (CD Rate)

Monthly

12/31/2014

0.50* / 0.5011*

Consumer Loans

Product Type

Max Term

Interest Rate – APR (%)

Approximate Payment

(months)

(as low as)

(Per $1,000)

Unsecured Advantage Loan - (Up to $25,000)

72 Months

7.99%

$18.02

Unsecured Advantage Loan - (Up to $25,000)

72 Months

7.99%

$18.02

Unsecured Preferred Loan – (Up to $35,000)

72 Months

7.99%

$18.02

Unsecured Jumbo Loan – (Up to $49,900)

72 Months

7.99%

$18.02

Xpress50 Loan – (Up to $49,900)

72 Months

7.99%

$18.02

Personal Line of Credit – (Up to $49,900) Default Interest Rate for Line of Credit

-

7.99%- 17.99%

3%

Share Secured Loan (Against Savings)

72 Months

Vary with last dividend declared and loan amount Floor of 4.5%

$15.87

New Auto Loan

72 Months

2.99% limited time only

$15.19

Used Auto Loan

60 Months

2.99% limited time only

$17.97

Education Loan

60 Months

New Applicant 4.99% Existing Loan 5.99%

$18.87

Master Card (Credit Card)

Member Business Loan

84 Months

VariablePrime + 2% or 6.99%Fixed9.99%(Which ever is higher)

$16.60 (on fixed rate)

Commercial Real Estate Loan

72 Months

VariablePrime + 2% or 6.99%Fixed9.99%(Which ever is higher)

$16.60 (on fixed rate)

Residential Real Estate Loan

Business Equipment Loan

60 Months

7.99%

$20.27

Business Security Loan

60 Months

4.99%

$18.87

* The dividend rate and annual percentage yield (APY) may change as determined by the Credit Union’s Board of Directors.

Note:

1. Interest Rate, number of guarantor requirement, collateral requirement and lian eligibility will be based on Credit Score

2. The above rates and fees are subject to change any time.