Loan Rate Sheets 2011

							                                          LOAN RATES
                                                     Effective 2/28/2011
                                    Home Equity Loans - First Lien
                    Maximum                   Rate with Checking                                   Rate without Checking
    Loan Type                  Credit Score
                    Loan Term               Account and Debit Card                                 Account and Debit Card
                                  720+               4.00%                                                 4.25%
Home Equity Line of 60 months
                                  680+               5.00%                                                 5.25%
     Credit          (5 years)
                                   679-              5.10%                                                 5.35%
                          Maximum LTV 80%. Payment is 2% of balance.


                                                720+             4.25%                                         4.50%
Interest Only Home         60 months
                                                680+             5.25%                                         5.50%
Equity Line of Credit       (5 years)
                                                679-             5.25%                                         5.50%
                                                   Maximum LTV 70%


                                         720+            3.50%                                                 3.75%
Home Equity Loan           36 months
                                         680+            4.50%                                                 4.75%
  Closed End                (3 years)
                                         679-            4.60%                                                 4.85%
                             Maximum LTV 80%. Maximum amortization 180 months.


                                         720+            4.00%                                                 4.25%
Home Equity Loan           60 months
                                         680+            5.00%                                                 5.25%
  Closed End                (5 years)
                                         679-            5.10%                                                 5.35%
                             Maximum LTV 80%. Maximum amortization 180 months.


                                         720+            4.25%                                                 4.50%
Home Equity Loan           84 months
                                         680+            5.25%                                                 5.50%
  Closed End                (7 years)
                                         679-            5.35%                                                 5.60%
                             Maximum LTV 80%. Maximum amortization 180 months.


                                         720+            5.25%                                                 5.50%
Home Equity Loan          120 months
                                         680+            6.25%                                                 6.50%
  Closed End               (10 years)
                                         679-            6.35%                                                 6.60%
                             Maximum LTV 80%. Maximum amortization 180 months.




                 Benefits of financing with your Credit Union:
 Our loans are not sold. We fund and service all of our loans.
 None of our loans have a pre-payment penalty
 Direct Deposit to loan or Auto Pay Available
 Payments can be made as often as you like with no additional charge (example: weekly or bi-weekly)


     Interest rates based on credit score at time of application. Applicants must meet underwriting guidelines to be approved.


                                                 Balloon options available.