Loan Rates*

Effective December 15, 2008

AUTOMOBILE PURCHASE LOANS - NEW OR USED Current rates as low as . . .
New Vehicles - 80% Financing Used Vehicles - Wholesale Values***		New Vehicles - 100% Financing Used Vehicles - Retail Values***
3.95% APR**---24 months		4.20% APR**--- 24 months
4.35% APR --- 36 months		4.60% APR --- 36 months
4.60% APR --- 48 months		4.85% APR --- 48 months
4.85% APR --- 60 months		5.10% APR --- 60 months
Note: Maximum term varies by age and make of vehicle. Rates listed for loans paid through direct deposit. Add .25% for other loans. Auto loan rates will be based on applicant’s credit evaluation.

GOLDEN LINE OF CREDIT	10.00%****	Open End Line of Credit; Variable; 4% Above Prime Rate. Also May be Used as Overdraft Protection on Draft Accounts (10.00% floor)
SIGNATURE	9.00% - 24 Months 10.00% - 36 Months	Closed End - 36 Months Maximum Term
AUTO SECURED	7..00% - 8..00%	Based on Age of Vehicle, Amount Financed
SHARE LOAN	6.00%	Credit Union Savings Held as Collateral on Loan. (Rate of Certificate Secured Loans Based on CD rate)
HOME EQUITY	4.00% to 5.00%****	No Annual Fee - Open End - Variable Rate Mortgage – 80% of Appraised Value (max) Minus 1st Mortgage Balance. Ohio Property Only. Rate based on applicant’s credit score.
SECOND MORTGAGE	4.00% - 5.50%	Fixed Rate, Second Mortgage. Ohio Property Only.
RECREATIONAL (Boats, Campers, Motorcycles, Motor Homes	7.00% New 7.50% New 7.00% Used	Fixed, 80% of Purchase Price Fixed, 90% of Purchase Price Fixed, Wholesale Value
COMPUTER LOAN ASSISTANCE PROGRAM	8.00%****	Computer and Computer-related Hardware & Software. Variable, 3% Above Prime (24 Months Maximum Term).
STRETCH PAY LOAN	18%	$35.00 Annual Participation Fee $250.00 Initial Credit Limit and Minimum Advance 30-Day Repayment Term
All Rates Are Subject To Change Without Notice. All Rates Are Listed At The APR (Annual Percentage Rate) Refer To The Credit Union Appraisal Guide **Variable Rate Loans Adjust On The First Day Of Each Calendar Quarter; Home Equity Adjusts Monthly.