Loan Rates Loan Rate Chart

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					Loan Rates
All rates accurate as of January 1, 2011 and subject to change.
V= Variable Rate      F= Fixed Rate    Annual Percentage Rate = APR
                                                                  Daily
LOAN TYPE                                              APR       Periodic    Minimum
                                                                  Rate         APR
                                                     As Low As
Savings Secured Line of Credit                        04.99%V    .013671%    04.99%
Stock Secured Line of Credit                          06.99%V    .019151%    06.99%
Stock Prime Line of Credit                            06.50%V    .017808%    06.50%
Signature Line of Credit                              08.24%V    .022575%    07.99%


CREDIT CARDS                                         As Low As
Visa Platinum                                         09.25%V    .025342%
Visa Gold                                             11.25%V    .030821%
Visa Silver                                           13.25%V    .036301%
MasterCard Classic                                    13.25%V    .036301%
Please see pages 3 and 4 for important information
about USAlliance credit card accounts.

PERSONAL LOANS                                       As Low As
Personal Loan - Maximum Term     24-Month             07.99%F    .021890%
Personal Loan - Maximum Term     48-Month             08.49%F    .023260%
Personal Loan - Maximum Term     72-Month             08.99%F    .024630%
Personal Loan - Maximum Term     84-Month             09.49%F    .026000%


VEHICLE LOANS                                        As Low As
New Auto Conventional 48-Month with 20% Down**        04.99%F    .013671%
New Auto Conventional 60-Month with 20% Down**        05.75%F    .015753%
New Auto Conventional 72-Month with 20% Down**
($20,000 Minimum)                                     05.75%F    .015753%
New Auto Conventional 84-Month with 20% Down**
($20,000 Minimum)                                     05.99%F    .016411%
New Auto Conventional 48-Month with 0% Down**         05.99%F    .016411%
New Auto Conventional 60-Month with 0% Down**         06.25%F    .017123%
New Auto Conventional 72-Month with 0% Down**
($20,000 Minimum)                                     06.25%F    .017123%
New Auto Conventional 84-Month with 0% Down**
($20,000 Minimum)                                     06.99%F     .019151%
Used Auto Conventional 48-Month with 20% Down**       05.99%F    .016411%
Used Auto Conventional 72-Month with 20% Down**       06.25%F    .017123%
($20,000 Minimum)
Used Auto Conventional 48-Month with 0% Down**        06.49%F    .018493%
Used Auto Conventional 72-Month with 0% Down**
($20,000 Minimum)                                     06.75%F    .018493%




                                            1
BOAT/RV LOANS                                                            As Low As
New or Used Boat Loan 48-Month                                            05.99%F          .016411%
New or Used Boat Loan 72-Month                                            06.99%F          .019151%
New or Used Boat Loan 120-Month                                           07.99%F          .021890%
New or Used Boat Loan 180-Month                                           08.99%F          .024630%
New or Used Boat Loan 240-Month                                           09.99%F          .027370%



REAL ESTATE PRODUCTS
First Mortgages – Please return to the “Current
Rates – Loans” page and click the “Current
Mortgage Rates” link.
                                                                        As Low As
Home Equity Line of Credit**
80% Combined Loan to Value                                                03.50%V          .009589%
Home Equity Loan**
80% Combined Loan to Value (0-120 Months)                                 06.49%F          .017781%
Home Equity Loan**
80% Combined Loan to Value (121-240 Months)                               07.49%F          .020521%
**Rates are based on the term of the loan and set by the Asset/Liability Committee of USAlliance Federal Credit Union


Home Equity Line of Credit
Variable annual percentage rate (APR) is calculated based on the Prime Rate, as posted in The
Wall Street Journal, as low as the Prime Rate plus a margin of 0.25% or as high as the Prime
Rate plus a margin of 1.75%. Margins are set based on the risk associated with the loan and an
individual’s or joint credit history. There is no minimum APR; maximum APR is 18%. Advertised
rate assumes an 80% loan to value ratio. Minimum line of credit is $25,000. An additional margin
of 0.25% will be added for loan balances over $250,000. Rates for loans over $500,000 will be
determined on a case by case basis. USAlliance Home Equity Line of Credit (HELOC) is
available for one to four family structures including a condominium unit, excluding co-ops,
investment properties and second homes. Finance charges begin to accrue from the day of the
initial advance. Initial draw period is for ten (10) years. Initial draw must be a minimum of $25,000
and a minimum of $500 for additional draws. Minimum payments are interest only during the draw
period, up to twenty (20) years of principal plus interest thereafter. You may pay certain fees to
third parties. These fees may generally total between 0.50% and 2.00% of your total loan. If you
ask, we will provide you with an itemization of the fees you will have to pay to third parties.
Homeowner’s insurance is required; flood insurance is required where applicable. Consult a tax
advisor regarding the deductibility of interest. Rates are subject to change.


EQUAL HOUSING LENDER


PLEASE SEE PAGES 3 AND 4 FOR MORE INFORMATION REGARDING INTEREST RATES,
        INTEREST CHARGES AND FEES FOR USALLIANCE CREDIT CARDS.




                                                           2
VISA/MASTERCARD CREDIT CARD
APPLICATION AND SOLICITATION DISCLOSURE
                                     INTEREST RATE AND INTEREST CHARGES
Annual Percentage Rate                           Visa Platinum
(APR) for Purchases
                            4.99% Introductory APR for 180 days from the issuance of
                            the card, based on your creditworthiness.
                            After that your APR will be 9.25% based on your
                            creditworthiness. This APR will vary with the market based on the
                            Prime Rate.

                                                       Visa Gold
                            11.25% when you open your account, based on your
                            creditworthiness. This APR will vary with the market based on the
                            Prime Rate.
                                                     Visa Classic
                            13.25% when you open your account based on your
                            creditworthiness. This APR will vary with the market based on the
                            Prime Rate.
                                                      MasterCard
                            13.25% when you open your account based on your
                            creditworthiness. This APR will vary with the market based on the
                            Prime Rate.
APR for Balance Transfers                            Visa Platinum
                            4.99% Introductory APR for 180 days from the issuance of the
                            card, based on your creditworthiness.

                            After that your APR will be 9.25% based on your
                            creditworthiness. This APR will vary with the market based on the
                            Prime Rate.

                                                       Visa Gold
                            11.25% when you open your account, based on your
                            creditworthiness. This APR will vary with the market based on the
                            Prime Rate.

                                                     Visa Classic
                            13.25% when you open your account based on your
                            creditworthiness. This APR will vary with the market based on the
                            Prime Rate.

                                                        MasterCard
                            13.25% when you open your account based on your credit
                            worthiness. This APR will vary with the market based on the
                            Prime Rate.
APR for Cash Advances                                 Visa Platinum
                            4.99% Introductory APR for 180 days from the issuance of the
                            card, based on your creditworthiness.
                            After that your APR will be 9.25% based on your
                            creditworthiness. This APR will vary with the market based on the
                            Prime Rate.

                                                       Visa Gold
                            11.25% when you open your account, based on your
                            creditworthiness. This APR will vary with the market based on the
                            Prime Rate.

                                            3
                                                         Visa Classic
                               13.25% when you open your account based on your
                               creditworthiness. This APR will vary with the market based on the
                               Prime Rate.

                                                         MasterCard
                               13.25% when you open your account based on your
                               creditworthiness. This APR will vary with the market based on the
                               Prime Rate.

Penalty APR and When it        None
Applies
How to Avoid Paying            Your due date is at least 26 days from the close of each billing
Interest on Purchases          cycle. We will not charge you interest on purchases if you pay
                               your entire balance by the due date each month.
Minimum Interest Charge        If you are charged interest, the charge will be no less than $1.00
For Credit Card Tips from      To learn more about factors to consider when applying for or
the Federal Reserve            using a credit card, visit the website of the Federal Reserve
                               Board at http://www.federalreserve.gov/creditcard.
                                                             FEES
Set-up and Maintenance
Fees (all cards)
§     Annual Fee               None
§     Additional Card Fee      None
Transactions Fees
(all cards)
§     Balance Transfer         Either $10 or 3% of the amount of each transfer, whichever is
                               greater.

§   Cash Advance               Either $10 or 3% of the amount of each cash advance, whichever
                               is greater.

§   Foreign Transaction        2.00% of any transaction that you complete or a merchant
                               completes on your card outside the U.S., Puerto Rico or the U.S.
                               Virgin Islands.
Penalty Fees (all cards)
§   Late Payment               Up to $30.00

§   Over-the-Credit Limit      Up to $35.00

§   Returned Payment           Up to $30.00



How We Will Calculate Your Balance. We use a method called “average daily balance
(including new purchases).”

Effective Date. The information about the cost of the credit cards described above is accurate as
of 01/01/2011. The information may have changed after that date. To find out what may have
changed you may write us at 600 Midland Avenue, Rye, NY, 10580-3999 or call us toll free at
1-(800)-431-2754.




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