Rates

Real Estate Loans	Rate	APR*	Term
Home Equity - Fixed Rate	6.50	6.50	120	Calculator
Home Equity - 5/1 ARM Rate fixed for the 1st 5 years, then may vary annually based on a 1 year U.S. Treasury Security.	6.25	6.25	180	Calculator
Home Equity Line of Credit ** APR may vary month to month based on the Prime Rate. Maximum APR is 18%. Annual fee of $35.	5.00	5.00	240	Calculator
For home equity loans there is a $400 application fee and no closing costs. Title insurance is required for home equity loans over $150,000 and may include other closing costs. For CT properties only.
First Mortgage - 30 year fixed (please inquire rates change daily)	6.50	6.50	360	Calculator
First Mortgage - 5/1 ARM Rate fixed for the 1st 5 years, then may vary annually based on a 1 year U.S. Treasury Security.	6.00	6.00	360	Calculator
For mortgages, there is a $700 application fee. Fee and other closing costs may be included in the loan amount if refinancing and within LTV requirements.
Consumer Loans	Rate	APR*	Term
New Auto - up to 80% financing	5.95	5.95	60	Calculator
New Auto - up to 100% financing	6.25	6.25	60	Calculator
New Auto - up to 80% financing, over $25,000	6.75	6.75	72	Calculator
New Auto - up to 100% financing, over $25,000	7.25	7.25	72	Calculator
Used Auto - up to 80% financing (1 - 3 Years old)	7.25	7.25	60	Calculator
Used Auto - up to 100% financing (1-3 Years)	7.75	7.75	60	Calculator
Used Auto - up to 80% financing (4-5 Years)	8.25	8.25	48	Calculator
Used Auto - up to 100% financing (4-5 Years) Used Auto Loan for 100% financing may require GAP Insurance. Call the credit union for details.	8.75	8.75	48	Calculator
RV/Boats - New	8.50	8.50	60	Calculator
RV/Boats - Used up to 5 years old	9.50	9.50	60	Calculator
Motorcycle - New	7.00	7.00	36	Calculator
Motorcycle - Used up to 5 years old	8.00	8.00	36	Calculator
VISA Credit Card - Tier I program** The purchase rate varies depending on the tier and account type. For details on the different types, please contact the credit union. Various balance transfer offers are available, call the credit union for details.	10.25	10.25	n/a
Overdraft Checking Protection**	10.00	10.00	n/a
Share Secured	7.00	7.00	60	Calculator
Personal - Unsecured	11.50	11.50	24	Calculator
Personal - Unsecured	13.00	13.00	48	Calculator
Home Improvement	11.50	11.50	60	Calculator
Professional Line of Credit**	6.00	6.00	n/a

*APR = Annual Percentage Rate Rates are effective 8/11/08
**Variable Rate loans are based on the Prime Rate list in the money section of the Wall Street Journal on the 22nd day of each month if a business day, if not on the next business day. Rates subject to change without notice. Rates are for new loans only. All rates stated are for members with established credit and AA Credit Rating, all others are subject to a rate review.
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Savings	Minimum Deposit	Interest Earned on Deposit of	Dividend Rate	APY*	Term
Basic Savings	$10	$100 and up	0.14990	0.15	n/a
Premium Savings	$750*	$100 and up	0.29959	0.30	n/a
Basic Checking	$0	---	---	---	n/a
Premium Checking	$750*	$750 and up	0.14990	0.15	n/a
*Minimum Balance Requirements can be met with combined balances in all shares.
Minor/Youth Savings	$10	$10 and up	0.99545	1.00	n/a
Christmas Club	$10	$10 and up	0.48979	0.50	n/a
Vacation Club	$10	$10 and up	0.48979	0.50	n/a
Money Market	$1,000	$1,000-$24,999	0.74743	0.75	n/a
Money Market	$1,000	$25,000-$49,999	1.24290	1.25	n/a
Money Market	$1,000	$50,000 and up	1.73612	1.75	n/a
IRA Share Account	$10	$10 and up	0.99545	1.00	n/a
Growth Share Certificate Increase $500 or more each month and earn 1.50% APY during the next month. Earn 0.75% APY as a minimum rate if the increase is not made that month. Account becomes a basic share account if the increase is not made for two consecutive months.	$500	$500 and up	1.498979	1.50	n/a

*APY = Annual Percentage Yield Rates effective 8/11/08
Rates subject to change without notice. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on the account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the Dividend Rate and Annual Percentage Yield may change as determined by the credit union. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the credit union anticipates paying for the applicable dividend period.

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Certificates - Regular and IRA	Minimum Deposit	Dividend Rate	APY*	Term
6 months	$500	1.73612	1.75	6
12 months	$500	1.98190	2.00	12
18 months	$500	2.46934	2.50	18
24 months	$500	2.95600	3.00	24
36 months***IRA SPECIAL!!*	$500	3.19844	3.25	36
60 months	$500	3.19844	3.25	60

*APY = Annual Percentage Yield Rates effective 8/11/08
Rates effecRates subject to change without notice. Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initital term of the account. For accounts subject to dividend compounding, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. Other Certificate terms are available, ask for details. For new certificates only.
A penalty may be imposed if you withdraw from your account before the maturity date.
**36-month certificate is for IRA's only. For a direct rollover or new money only. Minimum deposit of $2,000 is required.
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