Rates effective as of July 1, 2010 and subject to change.

APR = Annual Percentage Rate
(f) = fixed rate
(v) = variable rate

Loan rates vary, based upon each member's individual credit history and loan term selected. All loans are subject to credit approval and our lending policies.

⁺ There is a .25% basis point discount if the loan is in first position.

¹ APR (Annual Percentage Rate). Only available for new Home Equity Lines of Credit. Rate is variable and the index used is the US Prime rate published in the Wall Street Journal as quoted on the last day of the 2nd month of the preceding quarter (November, February, May, August). Maximum lifetime APR is 15%. Credit Union pays the closing costs, which include: flood determination, title insurance and recording fees, up to $300. Applicant pays appraisal if needed. The costs typically range from $0 to $450.  Primary residence only. Property insurance is required and flood insurance may be required.  You must meet our credit and underwriting requirements.  Membership requirements apply. Rates subject to change.

² APR (Annual Percentage Rate). Only available for new Home Equity Lines of Credit. Rate is fixed and the rate you qualify for is determined by application and credit information.  Credit Union pays the closing costs, which include: flood determination, title insurance and recording fees, up to $300. Applicant pays appraisal if needed. The costs typically range from $0 to $450.  Primary residence only. Property insurance is required and flood insurance may be required.  You must meet our credit and underwriting requirements.  Membership requirements apply. Rates subject to change.

³ APR (Annual Percentage Rate). Only available for new Home Equity ARM loans.  The annual percentage rate is based on a margin and an index. The index is the Prime Rate as published by the Wall Street Journal.  We will use the most recent index value as of the last day of the previous month prior to disbursal rounded to the nearest .25%, plus a margin.  Maximum APR is 15%. The annual percentage can change every five years on the anniversary date of the day we disburse funds. Credit Union pays the closing costs, which include: flood determination, title insurance and recording fees, up to $300. Applicant pays appraisal if needed. The costs typically range from $0 to $450. Primary residence only. Property insurance is required and flood insurance may be required.  You must meet our credit and underwriting requirements.  Membership requirements apply. Rates subject to change.

* The promotional balance Transfer APR is good for all balance transfers for the first twelve billing cycles. Beginning on the first day of the thirteenth billing cycle, the Periodic Rate and corresponding APR will increase to the standard rates set forth in section (12) for purchases and cash advances. Your Balance Transfer APR may end sooner if any Total Minimum Payment Due is not received by the Payment Due Date. Then, as of the first day of the billing cycle in which the event occurs, the Balance Transfer APR will end. Thereafter, the APRs for all new and outstanding Balance Transfers will be increased to the APR as set forth in your Credit Card Agreement. Please note that it does not apply to cash advances. See your Credit Card Agreement for any other applicable transaction fees.