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 (2008-2013)	1.990	1.990	24	Calculator
	2.390	2.390	60	Calculator
	2.890	2.890	72**	Calculator
	4.500	4.500	84^	Calculator
Used Vehicle (2006-2007)	2.990	2.990	48	Calculator
	3.250	3.250	60	Calculator
Used Vehicle (2005 and older)	4.250	4.250	48	Calculator
New Recreational Vehicles (boats, campers, motorcycles, RVs, etc) 2008-2013	1.990	1.990	24	Calculator
	2.390	2.390	60	Calculator
	4.500	4.500	120**	Calculator
Used Recreational Vehicles (boats, campers, motorcycles, RVs, etc) 2006-2007	2.990	2.990	48	Calculator
	3.250	3.250	60	Calculator
Used Recreational Vehicles (boats, campers, motorcycles, RVs, etc) 2005 and older	4.250	4.250	48	Calculator
Unsecured	7.950	7.950	36	Calculator
Real Estate - 1st Mortgage Owner Occupied (fixed term)	3.750	3.750	60	Calculator
	3.950	3.950	120	Calculator
Real Estate - 1st Mortgage Owner Occupied (balloon) ****	3.625	4.125	36	Calculator
	3.875	3.875	60	Calculator
	4.125	4.125	120	Calculator
Real Estate - 1st Mortgage Owner and Nonowner Occupied Business	5.375	5.375	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)	4.950	4.950	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)	0.100	0.100	n/a
Share Savings - Youth ($1.00 minimum for dividends)	0.100	0.100	n/a
Regular Savings ($75 minimum for dividend)	0.250	0.250	n/a
Regular Savings - Youth ($1.00 minimum for dividends)	0.250	0.250	n/a
Prime Times Savings ($500 minimum for dividends)	0.350	0.350	n/a
Christmas Savings ($25.00 minimum for dividend)	0.250	0.250	n/a
HSA Savings ($25.00 minimum for dividend)	.990	1.000	n/a
IRA Savings ($500 minimum for dividend)	0.300	0.300	n/a
Money Market Savings - Tiered Account ($2000 minimum for dividend)		0.000	n/a
Tier 1 ($2000.00 - $9999.99)	.450	.450	n/a
Tier 2 ($10,000 - $24,999.99)	.500	.500	n/a
Tier 3 ($25,000-$74,999.99)	.550	.550	n/a
Tier 4 ($75,000+)	.600	.600	n/a
Business Savings ($75.00 minimum for dividend)	0.250	0.250	n/a
Interest Checking ($1000 minimum for dividend)	0.100	0.100	n/a
Money Market Checking - Tiered Account ($2000 minimum for dividend)		0.000	n/a
Tier 1 ($2000.00-$9999.99)	.250	.250	n/a
Tier 2 ($10,000 +)	.400	.400	n/a
Organization Checking ($500 minimum for dividend)	0.100	0.100	n/a
Business Checking ($5000 minimum for dividends)	0.100	0.100	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	.300	.300	6
6-Month Certificate with $10,000 Minimum Balance	.450	.450	6
7-Month Liquid Certificate with $10,000 Minimum Balance	.430	.430	7
9-Month Certificate with $5000 Minimum Balance	.470	.470	9
12-Month Certificate with $500 Minimum Balance (Education IRA)	.250	.250	12
12-Month Certificate with $1000 Minimum Balance	.250	.250	12
12-Month Certificate with $5000 Minimum Balance	.580	.580	12
15-Month Certificate with $5000 Minimum Balance	.620	.620	15
18-Month Certificate with $1000 Minimum Balance	.550	.550	18
18-Month Certificate with $5000 Minimum Balance	.600	.600	18
21-Month Certificate with $5000 Minimum Balance	.700	.700	21
24-Month Certificate with $1000 Minimum Balance	.700	.700	24
24-Month Certificate with $5000 Minimum Balance	.750	.750	24
30-Month Certificate with $1000 Minimum Balance	.800	.800	30
30-Month Certificate with $5000 Minimum Balance	.850	.850	30
36-Month Certificate with $1000 Minimum Balance	.900	.900	36
36-Month Certificate with $5000 Minimum Balance	1.050	1.050	36
48-Month Certificate with $1000 Minimum Balance	1.090	1.090	48
48-Month Certificate with $5000 Minimum Balance	1.190	1.200	48
60-Month Certificate with $1000 Minimum Balance	1.290	1.300	60
60-Month Certificate with $5000 Minimum Balance	1.340	1.350	60

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