LOAN TYPE	REQ’D MEMBERSHIP LENGH	MAX LOAN AMT	NUMBER OF MONTHS	RATE
Signature	New to 3 years	Not to exceed 10% of gross primary salary	36 months 60 months	12% 15%
Signature	3 years or over	May apply up to $7,500	36 months 60 months	12% 15%
New cars, boats, trucks, SUVs Note: 100% funding plus sales tax	None None None None	$50,000 $50,000 $50,000 $50,000	36 months 48 months 60 months 72 months	5.25% 5.5% 6% 7%
Used autos, etc., as above	None None None	100% of average retail price	36 months 48 months 60 months	5.5% 6% 7%
Used autos, etc. older than 5 years	None	100% of average retail price	60 months	7%
Shares	None	Total in share amount	84 months	5%
Home Equity LOC	None	$80,000	180 months	8%
Home Equity Loans	None	Minimum $25,000	120 months	6.5% fixed

 *Rates Effective July 1^st 2006