Loan Rate Schedule

							                                                                 Loan Rate Schedule
                                                                       Effective January 1, 2011
                                                               ANNUAL PERCENTAGE RATE
      ACCOUNT TYPE                         TERMS
                                                                        (APR)
Credit Cards
Visa Classic                        Revolving                   9.50% - 17.25% Variable***
Visa Gold                                                       8.25% - 10.25% Variable***
Auto Loans                          Up to 84 Months            3.74% - 18.25% *
(Up to 10 years old)

Auto Rate for the Financing of
a Credit Union West                 Up to 60 Months            2.9%
Repossession
Secured/Collateralized Loan         Up to 180 Months           3.74% - 18.25%*
(RVs, Boats, Motorcycles, etc.)
Home Equity Line of Credit          Up to 20 Years             4.75% - 10.25% Variable**
Home Equity Loan                    Up to 72 Months            4.25% - 11.00% Fixed
Home Equity Loan                    73 to 120 Months           6.75% - 12.25% Fixed
Home Equity Loan                    121 to 180 Months          7.75% - 13.25% Fixed
Signature Loans                     Up to 60 Months            8.25% - 18.25%
                                                               Based on the deposit rate plus a
Share/MMA Secured Loans             Up to 120 Months
                                                               margin of 3%
                                                               Based on the Certificate of Deposit
Certificate Secured Loans           Up to 60 Months
                                                               rate plus a margin of 3%


* Loan Rates (Auto & Secured) are based on amount financed, credit experience and term.
** Variable interest rates calculated by index (prime rate as published in Wall Street Journal) + margin
with a floor of 4.75% and a ceiling of 18%. Rates subject to credit performance and loan to value. Initial
20-year draw period with one (1) balloon payment; monthly payments are interest only.
*** Variable interest rates calculated by index (prime rate as published in Wall Street Journal) plus
margin with a floor of 7.9% and no ceiling. Rates are subject to credit performance.

                              First Mortgage Rates Available Online!




                            P.O. Box 7600, Glendale, AZ 85312-7600
                       (602) 631-3200 or (928) 778-7156 or (800) 621-0287
                                         www.cuwest.org