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					          Deposit Rates
                                                                                                                                                                               P.O. Box 7022—Downey, CA 90241

                                                                                                                                                                                            800.426.1917
                     Exclusive Rates for Southland Members                                                                                                                          www.SouthlandCU.org
                                                                                                                                                                                Effective Date: May 23, 2012

 Primary Savings & Holiday Club Account**
            Account Type                          Annual Percentage Yield                                Dividend Rate                           Minimum Deposit                              Minimum Balance
           Primary Savings                                          .100%                                        .100%                                         $25                                          $25
             Holiday Club                                           .100%                                        .100%                                          $0                                           $0


 Business Checking Account*
            Account Type                          Annual Percentage Yield                                Dividend Rate                           Minimum Deposit                                Minimum Balance
                 Premium                                           0.100%                                       0.100%                                          $0                                             $0


 Money Market Account—rates based on balance
            Account Type                          Annual Percentage Yield                                Dividend Rate                           Minimum Deposit                              Minimum Balance
                    Tier 1                                         0.000%                                       0.000%                                          $0                                           $0
                    Tier 2                                         0.100%                                       0.100%                                      $2,500                                       $2,500
                    Tier 3                                         0.150%                                       0.150%                                     $10,000                                      $10,000
                    Tier 4                                         0.250%                                       0.250%                                     $50,000                                      $50,000
                    Tier 5                                         0.300%                                       0.300%                                    $100,000                                     $100,000
                    Tier 6                                         0.350%                                       0.350%                                    $150,000                                     $150,000


 IRA Account
            Account Type                          Annual Percentage Yield                                Dividend Rate                           Minimum Deposit                              Minimum Balance
                     Tier I                                         .100%                                       .100%                                           $0                                           $0


 Health Savings Account
            Account Type                          Annual Percentage Yield                                 Dividend Rate                          Minimum Deposit                              Minimum Balance
                     Tier I                                         .100%                                        .100%                                          $0                                           $0


 FREE Super Checking Account*                                                                  (account is no longer available)


            Account Type                          Annual Percentage Yield                                Dividend Rate                           Minimum Deposit                                Minimum Balance
            Qualified Rate                                         0.500%                                       0.499%                                          $0                                             $0
        Non-Qualified Rate                                         0.100%                NCUA                   0.100%                                          $0                                             $0
 Rates subject to change at any time without notice. Indicated rates are available to qualified Members. LENDER
                                                       NATIONAL CREDIT UNION               EQUAL HOUSING                                                                 BETTER BUSINESS BUREAU
                                                                                  ADMINISTRATION                          We do business in accordance with
                                                                     Your savings federally insured to at 10 Check Card e f e d e r a l F a i and one ACH w a n d deposit, debit, or ePayment per month. Non-qualifying accounts
 *To receive qualified rate and up to $20 in ATM fee reimbursement, accounts must have eStatements,least              t h transactions, r H o u s i n g L a direct
                                                                                                                                                                                         MEMBER
                                                                     $250,000 and backed by the full fees include Southland q a l C r e d i t O p p ofees.i Qualifying rate will be paid on balances up to $50,000. On balances over
 will receive the non-qualified dividend rate and no ATM fee refunds will be paid. Reimbursed ATM faith and           t h e E u out-of-network r t u n t y A c t .
                                                                     credit of the United States Government
 $50,000 the non-qualified dividend rate will be paid.               National Credit Union Administration
                                                                           (NCUA), a U.S. Government Agency.
 **Minimum Deposit and Minimum Balance requirements waived for NEW Members opting to pay a Membership Entrance fee.

 Your deposits are insured up to at least $250,000 ($250,000 for IRA Accounts). The National Credit Union Administration (NCUA), an agency of the U.S. Government, insures your deposits up to $250,000 ($250,000 for IRA
 Accounts). See “Your Insured Funds” booklet issued by the NUCA for additional coverage for multiple accounts.

 Primary Savings, Holiday Club, and Money Market Accounts are variable rate accounts and rates may change after the accounts are opened. Fees could reduce earnings on these accounts. For Term Share (Certificate)
 Accounts, the Dividend Rate and APY (Annual Percentage Yield) set forth above would be paid for the Term shown. A substantial penalty will or may be imposed for early withdrawal. For purposes of this disclosure,
 the Dividend Rate and Annual Percentage Yield were offered within the most recent seven (7) calendar days and were accurate as of the “Effective” date set forth above. Please call 800.426.1917 to obtain current rate
 information.
                                          NCUA
                     NATIONAL CREDIT UNION ADMINISTRATION                                                                         EQUAL HOUSING LENDER                                      BETTER BUSINESS BUREAU MEMBER
  Your savings federally insured to at least $250,000 and backed by the full faith and credit of the                      We do business in accordance with the federal Fair
United States Government National Credit Union Administration (NCUA), a U.S. Government Agency.                           Housing Law and the Equal Credit Opportunity Act.
            Deposit Rates
                                                                                                                                                                                                                                P.O. Box 7022—Downey, CA 90241

                                                                                                                                                                                                                                                 800.426.1917
                          Exclusive Rates for Southland Members                                                                                                                                                                       www.SouthlandCU.org
                                                                                                                                                                                                                                   Effective Date: May 23, 2012




AcceleRate Share Certificates & IRA Share Certificates***
                       Term                                   Annual Percentage Yield                                                Dividend Rate                                       Minimum Deposit                                           Minimum Balance
                   6-Month                                                         0.150%                                                     0.150%                                                   $1,000                                                     $1,000
                      1-Year                                                       0.250%                                                     0.250%                                                   $1,000                                                     $1,000




Term Share Certificates & IRA Term Share Certificates***
                       Term                                   Annual Percentage Yield                                                Dividend Rate                                       Minimum Deposit                                           Minimum Balance
                      2-Year                                                       0.350%                                                     0.350%                                                   $1,000                                                     $1,000
                      3-Year                                                       0.650%                                                     0.648%                                                   $1,000                                                     $1,000
                      4-Year                                                       0.950%                                                     0.946%                                                   $1,000                                                     $1,000
                      5-Year                                                       1.300%                                                     1.292%                                                   $1,000                                                     $1,000




Jumbo AcceleRate Share Certificates & IRA Share Certificates***—Roth & Traditional
                       Term                                   Annual Percentage Yield                                                Dividend Rate                                       Minimum Deposit                                            Minimum Balance
                   6-Month                                                         0.300%                                                     0.300%                                                $100,000                                                   $100,000
                      1-Year                                                       0.400%                                                     0.400%                                                $100,000                                                   $100,000




Jumbo Term Share Certificates & IRA Share Certificates***—Roth & Traditional
                       Term                                   Annual Percentage Yield                                                Dividend Rate                                       Minimum Deposit                                            Minimum Balance
                      2-Year                                                       0.500%                                                     0.499%                                                $100,000                                                   $100,000
                      3-Year                                                       0.800%                                                     0.797%                                                $100,000                                                   $100,000
                      4-Year                                                       1.100%                                                     1.094%                                                $100,000                                                   $100,000
                      5-Year                                                       1.450%                                                     1.440%                                                $100,000                                                   $100,000


Rates subject to change at any time without notice. Indicated rates are available to qualified Members.

***Certificate and IRA Account Agreement and Disclosure
The Certificate and IRA Account Agreement and Disclosure is included in the Truth-in-Savings Disclosure.
Your deposits are insured up to at least $250,000 ($250,000 for IRA Accounts). The National Credit Union Administration (NCUA), an agency of the U.S. Government, insures your deposits up to $250,000 ($250,000 for IRA Accounts). See “Your Insured Funds” booklet issued by the NUCA for ad-
ditional coverage for multiple accounts.
Primary Savings, Holiday Club, and Money Market Accounts are variable rate accounts and rates may change after the accounts are opened. Fees could reduce earnings on these accounts. For Term Share (Certificate) Accounts, the Dividend Rate and APY (Annual Percentage Yield) set forth above
would be paid for the Term shown. A substantial penalty will or may be imposed for early withdrawal. For purposes of this disclosure, the Dividend Rate and Annual Percentage Yield were offered within the most recent seven (7) calendar days and were accurate as of the “Effective” date set forth
above. Please call 800.426.1917 to obtain current rate information.
 Consumer Loans
                                                                                                                                                                           P.O. Box 7022—Downey, CA 90241

                                                                                                                                                                                  800.426.1917
   “Preferred” Consumer Loan Rates & Estimated Payments                                                                                                                      www.SouthlandCU.org
                    Indicated rates are available to qualified Members. Other rates may apply based on credit profile.


                                                                                                                                                                           Effective Date: May 23, 2012
Vehicles
                                                          APR1                                                           APR1
   Account Type                                  with Autopay                                               without Autopay               Payment/$1000        Maximum Terms2           Advance Policy3
          New                                            2.49%                                                           2.74%                $28.86             36 Months (3 yrs)        120% MSRP
          Used                                           2.74%                                                           2.99%                $28.97             36 Months (3 yrs)       120% RNADA
          New                                            2.49%                                                           2.74%                $21.91             48 Months (4 yrs)        120% MSRP
          Used                                           2.74%                                                           2.99%                $22.02             48 Months (4 yrs)       120% RNADA
          New                                            2.99%                                                           3.24%                $18.64             60 Months (5 yrs)        120% MSRP
          Used                                           3.24%                                                           3.49%                $18.75             60 Months (5 yrs)       120% RNADA
          New                                            3.24%                                                           3.49%                $15.98             72 Months (6 yrs)        120% MSRP
          Used                                           3.49%                                                           3.74%                $16.10             72 Months (6 yrs)       120% RNADA
          New                                            5.24%                                                           5.49%                $14.25             84 Months (7 yrs)        120% MSRP
          Used                                           5.49%                                                           5.74%                $14.37             84 Months (7 yrs)       120% RNADA


Motorcycles—Personal Watercraft
                                                          APR1                                                           APR1
   Account Type                                  with Autopay                                              without Autopay                Payment/$1000        Maximum Terms2           Advance Policy3

           New                                           9.49%                                                           9.74%                $16.34            84 Months (7 yrs)         110% MSRP
          Used                                           9.74%                                                           9.99%                $16.47            84 Months (7 yrs)       110% Wholesale


Boats—Motor Homes—Travel Trailers
                                                          APR1                                                           APR1             Payment/$1000
   Account Type                                  with Autopay                                              without Autopay                (120 month loan)      Maximum Terms           Advance Policy3

           New                                           8.75%                                                           9.00%                $12.55           180 Months (15 yrs)         90% MSRP
          Used                                           9.00%                                                           9.25%                $12.68           180 Months (15 yrs)       90% Wholesale


Signature Loans—Personal Lines of Credit (Overdraft Protection)
                                                                                                                         Payment/$1000                                               Advance Policy
     Account Type                                                     APR1                                                (60 month loan)            Maximum Terms                    ($1,000 Min)
    Signature Loans                                                12.49%                                                        $22.51                60 Months (5 yrs)                 100%
  Credit Line/Overdraft                                            12.49%                                                        $22.51                      N/A                       As Needed

Share—Certificate Secured Loans
                       Account Type                                                                                                APR1                                     Advance Policy
               Share Secured Loan                                                                                   3.50% + Current Share Rate                              $500 Minimum
            Certificate Secured Loan                                                                                  3.50% + Certificate Rate                              $500 Minimum
        Certificate Secured Line of Credit                                                                            3.50% + Certificate Rate                                   N/A

Rates subject to change at any time without notice. Indicated rates are available to qualified Members. Other rates may apply based on credit profile.
1. APR = Annual Percentage Rate. Autopay must be from a Southland Checking or Money Market Account to receive the deduction (.25%). All APRs shown are calculated at a
   $10,000 loan amount. HELOC’s and HELP’s are calculated on $100,000 loan amount.
2. Vehicles valued over $25,000 financed up to 84 months (on approved credit); otherwise, maximum term is 72 months.
3. MSRP=Manufacturer’s Suggested Retail Price; RNADA=Retail National Automotive Dealers Association; Wholesale=Wholesale Market Value.
   Home Equity Rates                                                                                                                                                    P.O. Box 7022—Downey, CA 90241

                                                                                                                                                                                   800.426.1917
                     “Preferred” Home Equity Loans &
                   HELOC (Home Equity Line of Credit) Rates                                                                                                                  www.SouthlandCU.org

                                                                                                                                                                          Effective Date: May 23, 2012




Home Equity Line of Credit—(HELOC)
                                     Introductory                   Introductory
    Account Type                         Rate5                         Period6                    Variable Index                    Closing Cost                 Advance Policy             APR4

          HELOC                               ---                             ---                    3-Month                      Appraisal, Title,                      Up to
                                                                                                                                                                        80% LTV            3.751%
                                                                                                    Average of                   Recording, Flood,
                                                                                                  2-year Treasury                   Processing
                                                                                                       Note                      (Average ~$350)




Home Equity Loan Program—(HELP)
                      Term                                     <80% LTV Payment/$1,000                                                                                      APR4
                    15 years                                                        $8.71                                                                                 6.500%
                   30 Years      7                                                  $6.32                                                                                 6.598%




Rates subject to change at any time without notice. Indicated rates are available to qualified Members. Other rates may apply based on credit profile.

4. APR = Annual Percentage Rate. All APRs shown are calculated at a $10,000 loan amount. HELOC’s and HELP’s are calculated on $100,000 loan amount.

5. Current Index is 0.250%+3.50%=3.750% for 80% LTV. Other rates may apply based on credit. Lifetime cap of 5% over fully indexed start rate.

6. After introductory period (if applicable), the interest rate adjusts each calendar quarter to the fully indexed rate, which is the index (3 mo. moving average of the 2-year
   US Treasury Note) + margin. (see #5)

7. HELP rates for terms greater than 15 years include 1 point. Add 0.50% for the zero point rate.

				
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