Rates

IMPORTANT NOTE: Rates quoted below are our lowest available and may vary based on your individual credit.

Loans	Rate	APR*	Term	Payment
New/Used Vehicles (2006-2012)	2.990	2.990	48	Calculator
	3.250	3.250	60	Calculator
	3.500	3.500	72**	Calculator
	4.500	4.500	84^	Calculator
Used Vehicle (2005 and older)	3.950	3.950	48	Calculator
	4.250	4.250	60	Calculator
New Recreational Vehicles (boats, campers, motorcycles, RVs, etc) 2008-2012	3.700	3.700	48	Calculator
	3.950	3.950	60	Calculator
	4.500	4.500	72**	Calculator
	4.750	4.750	120**	Calculator
Used Recreational Vehicles (boats, campers, motorcycles, RVs, etc) 2007 and older	5.500	5.500	48	Calculator
	5.950	5.950	60	Calculator
	6.250	6.250	72**	Calculator
	6.750	6.750	120**	Calculator
Unsecured	7.950	7.950	36	Calculator
Real Estate - 1st Mortgage Owner Occupied (fixed term)	3.750	3.750	60	Calculator
	4.125	4.125	120	Calculator
Real Estate - 1st Mortgage Owner Occupied (balloon) ****	4.125	4.125	36	Calculator
	4.500	4.500	60	Calculator
	4.750	4.750	120	Calculator
Real Estate - 1st Mortgage Owner and Nonowner Occupied Business	5.950	5.950	36	Calculator
Construction	2.990	2.990	6	N/A
Real Estate - 1st Mortgage Land Only*****	5.500	5.500	12	Calculator
Real Estate - 1st Mortgage Land Only*****	6.000	6.000	36	Calculator
Real Estate - 2nd Mortgage Owner Occupied (up to 80% loan to value)	6.000	6.000	60	Calculator
Home Equity Line of Credit (HELOC) Call us for current rate information	Variable	Variable	n/a	1.5% of balance
Kwik Cash Line of Credit (variable rate loan)	11.000	11.000	n/a	$3.00 per $100

Contact the CCU Mortgage Center at 715-843-4663 for additional terms and rates on mortgages.

*APR = Annual Percentage Rate
**Minimum of $15,000 to finance
^ Minimum of $20,000 to finance; new vehicles only
****Terms can be fixed or amortized over 30 years
*****May be amortized over 15 years
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IMPORTANT NOTE: Chart also includes rates for applicable checking accounts.

Savings	Dividend Rate	APY*	Term
Share Savings ($50 minimum for dividends)	0.150	0.150	n/a
Share Savings - Youth ($1.00 minimum for dividends)	0.150	0.150	n/a
Regular Savings ($75 minimum for dividend)	0.400	0.400	n/a
Regular Savings - Youth ($1.00 minimum for dividends)	0.400	0.400	n/a
Prime Times Savings ($500 minimum for dividends)	0.450	0.450	n/a
Christmas Savings ($25.00 minimum for dividend)	0.400	0.400	n/a
HSA Savings ($25.00 minimum for dividend)	1.990	2.000	n/a
IRA Savings ($500 minimum for dividend)	0.500	0.500	n/a
Money Market Savings - Tiered Account ($2000 minimum for dividend)		0.000	n/a
Tier 1 ($2000.00 - $9999.99)	.850	.850	n/a
Tier 2 ($10,000 - $24,999.99)	.900	.900	n/a
Tier 3 ($25,000-$74,999.99)	.950	.950	n/a
Tier 4 ($75,000+)	1.000	1.000	n/a
Business Savings ($75.00 minimum for dividend)	0.400	0.400	n/a
Interest Checking ($1000 minimum for dividend)	0.200	0.200	n/a
Money Market Checking - Tiered Account ($2000 minimum for dividend)		0.000	n/a
Tier 1 ($2000.00-$9999.99)	.400	.400	n/a
Tier 2 ($10,000 +)	.750	.750	n/a
Organization Checking ($500 minimum for dividend)	0.250	0.250	n/a
Business Checking ($5000 minimum for dividends)	0.250	0.250	n/a

*APY = Annual Percentage Yield
Fees may reduce earnings on account.
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Certificates	Dividend Rate	APY*	Term
6-Month Certificate with $2500 Minimum Balance	.500	.500	6
6-Month Certificate with $10,000 Minimum Balance	.800	.800	6
7-Month Liquid Certificate with $10,000 Minimum Balance	.750	.750	7
9-Month Certificate with $5000 Minimum Balance	.800	.800	9
12-Month Certificate with $500 Minimum Balance (Education IRA)	.350	.350	12
12-Month Certificate with $1000 Minimum Balance	.500	.500	12
12-Month Certificate with $5000 Minimum Balance	.950	.950	12
15-Month Certificate with $5000 Minimum Balance	1.000	1.000	15
18-Month Certificate with $1000 Minimum Balance	.950	.950	18
18-Month Certificate with $5000 Minimum Balance	1.050	1.050	18
21-Month Certificate with $5000 Minimum Balance	1.150	1.150	21
24-Month Certificate with $1000 Minimum Balance	1.050	1.050	24
24-Month Certificate with $5000 Minimum Balance	1.190	1.200	24
30-Month Certificate with $1000 Minimum Balance	1.190	1.200	30
30-Month Certificate with $5000 Minimum Balance	1.240	1.250	30
36-Month Certificate with $1000 Minimum Balance	1.390	1.400	36
36-Month Certificate with $5000 Minimum Balance	1.540	1.550	36
48-Month Certificate with $1000 Minimum Balance	1.690	1.700	48
48-Month Certificate with $5000 Minimum Balance	1.790	1.800	48
60-Month Certificate with $1000 Minimum Balance	1.840	1.850	60
60-Month Certificate with $5000 Minimum Balance	1.990	2.000	60

*APY = Annual Percentage Yield
Fees may reduce earnings on account. A penalty may be imposed for early withdrawal.
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