Current Rates

CONSUMER LOAN RATES
Effective December 31, 2003
Type
Financing
Annual
Percentage
Rate
APR
Loan
Amount
Approximate
Term
Daily
Periodic
Rate
Vehicle Loans
Up to 100%
of retail value
 
4.99%
Model years-
2000 and newer
36 Months
0.013671%
5.50%
48 months
0.015068%
5.75%
60 months
0.015753%
6.50%
Model Years-2000 or newer and loan amount is over $25,000
72 months
0.017808%
7.75%
Model years-1997 to 1999
48 months
0.021233%
8.75%
Model years-1996 and older
42 months
0.023973%
Motorcycles,
Watercraft,
RV,
Campers,
Camping
Trailers
Up to 100% of
NADA
(based upon
credit worthiness)
7.75%
  
48 months
0.021233%
7.90%
60 months
0.021644%
Up to 100% of
NADA
(based upon
credit worthiness)
7.75%
  
48 months
0.021233%
7.90%
60 months
0.021644%
8.25%
If Loan amount is over $20,000
up to 120 months
0.022603%

8.75%
48 months
0.023973%
2.00% above index

100 % of CD balance
60 months
See below
2.50% above index
75% of CD balance
48 months
See below
3.50% above index
50% of CD balance
48 months
See below
4.50% above index
25% of CD balance
48 months
See below
2.00% above index
100 % of Share balance
60 months
See below
2.50% above index
75% of Share balance
48 months
See below
3.50% above index
50% of Share balance
48 months
See below
4.50% above index
25% of Share balance
48 months
See below
Category A
9.90%
42 months
0.027123%
Category B
12.90%
42 months
0.035342%
Category C
15.90%
42 months
0.043562%
Co-maker

16.50%
42 months
0.045205%




MORTGAGE RATES - Effective March 29, 2004
Mortgage Type
Repayment Terms
Annual
Percentage
Rate
Terms of Repayment Example
First Mortgage
10 Years
4.90%
4.90% APR=120 monthly payments of $10.57 per $1,000
15 Years
5.60%
5.60% APR=180 monthly payments of $8.23per $1,000
20 Years
6.05%
6.05% APR=240 monthly payments of $7.20per $1,000
25 Years
6.25%
6.25% APR=300 monthly payments of $6.60 per $1,000
30 Years
6.40%
6.40% APR=360 monthly payments of $6.26 per $1,000
Second Mortgage
Under 60
months
7.50%
7.50% APR=60 monthly payments of $20.04 per $1,000
61-120
months
8.00%
8.00% APR=120 monthly payments of $12.14 per $1,000
121-180
months
8.50%
8.50% APR=180 monthly payments of $9.86 per $1,000
Mortgage Loan Rates are reviewed each week and are subject to change daily.


VISA® ACCOUNT DISCLOSURES
Effective December 31, 2003

Visa Classic
Visa Platinum
Annual Percentage Rate
12.9% APR
9.9% APR
Grace period for repayment of balances for purchases You have 25 days to repay your balance for purchases before a finance charge on purchase will be imposed. You have 25 days to repay your balance for purchases before a finance charge on purchase will be imposed.
Method of computing the balance of purchases Average daily balance including new purchases, balance transfers, and cash advances. Average daily balance including new purchases, balance transfers, and cash advances.
Cash Advance Fee $5.00 per advance $5.00 per advance
Convenience Check Fee None None
Annual Fees None None
Minimum Finance Charge None None
Late Payment Fee $15 per month $15 per month
Over-the-Limit Fee $15 per month $15 per month
Transaction Fee for Purchases None None

*Certificate Secured—The Annual Percentage Rate (APR) will be the dividend rate being paid on the Certificate offered as security plus the percentage shown in the Special Notes column above. The Certificate must either be renewed until the advance is completely paid or rolled over into a share account, at which point the advance will become a Share Secured advance and will be subject to those terms. Failure to renew the Certificate or roll it over to a share account will result in default under the Plan. When the Certificate is renewed, the APR will change to reflect the new dividend rate. Any increase in the APR will result in more payments of the same amount until your loan is repaid. The present APR and daily periodic rate for Certificate Secured advances will be disclosed on the voucher at the time of the advance.

**Share Secured—The APR will be the dividend rate paid on regular shares the previous quarter plus the percentage shown in the Special Notes column above. If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire amount will be at the new APR. The rates are subject to change quarterly on the first day of January, April, July, and October to reflect any change in the Index. Any increase in the APR will result in more payments of the same amount until your loan is repaid.

***Signature—The Annual Percentage Rate you receive may be different from the rate disclosed. This rate is based on certain credit standards. Ask your loan officer for information about how your rate is determined.

Collection Costs—You agree to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees not in excess of 15% of the unpaid debt.

Filing Fees—You will be charged a filing fee at the time of advance if the credit union takes a security interest in your collateral. The amount of the filing fee will be based on the amount of the fee required by state law for the credit union to obtain a lien on your property. The amount of the filing fee will be disclosed on the voucher.

Savings Rates
Rates are effective December 31, 2003, and are subject to change. Fees may reduce earnings. For current rate information, please call (404) 768-4126 or toll-free (800) 849-8431.
Account Type
Minimum
Deposit to
Open Account
Minimum
Balance
to Earn
Dividends
Annual
Percentage
Yield
Minimum Balance
to Avoid Fees
Share Account (Regular Savings) and Additional Secondary Share Accounts
Dividends are compounded every quarter and credited to your account every quarter. Dividends are calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
$25
Par value of one share of credit union
$50
2.02%
 None. An excessive withdrawal fee of $2 is charged for each withdrawal in excess of five during one quarter.
Christmas Club Savings
Dividends are compounded and credited to your account every quarter. You must maintain a minimum daily balance of $1.00 in your account each day to obtain the disclosed annual percentage yield.
$1
$1
Same as Share Account
 None. A withdrawal fee of $10 will be charged for each withdrawal. This fee will not apply if the withdrawal is made in November or December.
Vacation Club Savings
Dividends are compounded and credited to your account every quarter. You must maintain a minimum daily balance of $1.00 in your account each day to obtain the disclosed annual percentage yield.
$1
$1
Same as Share Account
 None. An excessive withdrawal fee of $10 will be charged for each withdrawal in excess of two during the club year. The club year is January 1 through December 1.
Individual Retirement Account Savings
Dividends are compounded and credited to your account every quarter. Dividends are calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day. The dividend rate and annual percentage yield are based on the previous rate for the Share Account, plus a margin of .5% or higher.
$25
$1
Declared for 4th Quarter 2003 - 3.00% Declared for 1st Quarter 2004 - 3.00%
 None
Share Draft Account
Dividends are compounded and credited to your account every month. Dividends are calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
$25
$1
1.50%
 $250



Certificate Account Rates
Rates are effective from March 25, 2004 through March 31, 2004
Certificate Account
Type/Term
Rate
Annual
Percentage Yield
91-Day Certificate
1.985%
2.00%
Six-Month Certificate
2.089%
2.10%
Twelve-Month Certificate
2.225%
2.25%
Twenty-Four-Month Certificate
2.616%
2.65%
Thirty-Month Certificate
2.956%
3.00%
Sixty-Month Certificate
3.922%
4.00%
Certificate rates are reviewed on Wednesday of each week. Rate changes go into effect on Thursday of each week. Certificate rates are subject to change at any time. A minimum deposit of $500 is required on regular certificates. Certificates are subject to early withdrawal penalties.


Individual Retirement Account Certificate Rates
Rates are effective from March 25, 2004 through March 31, 2004
IRA Certificate
Type/Term
Rate
Annual
Percentage Yield
Twelve-Month Certificate
2.225%
2.25%
Twenty-Four-Month Certificate
2.616%
2.65%
Thirty-Month Certificate
2.956%
3.00%
Sixty-Month Certificate
3.922%
4.00%
Certificate rates are reviewed on Wednesday of each week. Rate changes go into effect on Thursday of each week. IRA Certificate rates are subject to change at any time. A minimum deposit of $2,000 is required on regular certificates. Certificates are subject to early withdrawal penalties.






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Federal Fair Housing Law and the
Equal Credit Opportunity Act

Federally Insured by NCUA.