Rates - Members Advantage Community Credit Union

NEW & USED

SAVINGS- effective 07/21/2010
	RATE	APY	MINIMUM	DIVIDENDS PAID

*REGULAR SHARES*	.35%	.35%	$25.00	Monthly

*IRA SHARES*	1.00%	1.00%	-----	Monthly
IRA CERTIFICATES
36 months	1.98%	2.00%	$500.00	Monthly
60 months	2.71%	2.75%

*CLUB ACCOUNTS* CHRISTMAS, VACATION, TAX, ALL PURPOSE	.35%	.35%	-----	Monthly

MONEY MARKETS
	.35%	.35%	$500- 1,999	Monthly
	.50%	.50%	$2,000-9,999	Monthly
	.60%	.60%	$10,000-24,999	Monthly
	.70%	.70%	$25,000-49,999	Monthly
	1.00%	1.00%	$50,000+	Monthly
Smart Savers- 1 year term Youth Savers- 5 year term	.75% 2.47%	.75% 2.50%	$50 $50	Monthly Monthly
Deposits are accepted and encouraged for the Smart and Youth Savers
SHARE CERTIFICATES
6 months	.75%	.75%	$500.00	Monthly
12 months	1.00%	1.00%	$500.00	Monthly
24 months	1.39%	1.40%	$500.00	Monthly
36 months	1.74%	1.75%	$500.00	Monthly
48 months	1.98%	2.00%	$500.00	Monthly
60 months	2.47%	2.50%	$500.00	Monthly
18 mos no-penalty	0.65%	0.65%	$500.00	Monthly

PERSONAL/SIGNATURE	All loan rates effective 07/21/2010
	APR

24 MONTHS to 60 MONTHS	As low as 10.75%

24 MONTHS	As low as 3.99%	As low as 3.99%	As low as 5.74%
36 MONTHS	As low as 4.50%	As low as 4.50%	As low as 6.50%
48 MONTHS	As low as 4.99%	As low as 4.99%	As low as 6.74%
60 MONTHS	As low as 5.49%	As low as 5.49%	-----
72 MONTHS	As low as 6.25%	-----	-----
84 MONTHS	As low as 7.50%	-----	-----

24 MONTHS	As low as 4.99%	As low as 4.99%	As low as 7.49%
36 MONTHS	As low as 5.50%	As low as 5.50%	As low as 8.00%
48 MONTHS	As low as 5.99%	As low as 5.99%	As low as 8.49%
60 MONTHS	As low as 6.49%	As low as 6.75%	-----

SECURED UNTITLED RVs, ATVs, Campers, Snow Machines, Boats, Computers
	NEW & USED
	APR

24 MONTHS

As low as 7.99%

36 MONTHS

As low as 8.49%

48 MONTHS

As low as 8.99%

Loan rates are listed "as low as" and are determined by the term of the loan and an evaluation of your credit. All rates quoted are subject to change. Your rate may vary from the rate shown above.

100% Financing- (Tax, Title, Registration inc.)

NADA Retail

OTHER LOANS
		Rates - APR

HOME EQUITY L-O-C

up to 15 year term

4.25%

HOME EQUITY LOAN

5 year term
10 year term
15 year term

4.99%*
5.99%*
6.99%*

MORTGAGES

Rates available upon request

SHARE SECURED

Div. Rate + 2.5%

Varies

CERTIFICATE SECURED

Div. Rate + 2.5%

Varies

VISA CARD

No Annual Fee

11.9% or 9.9%

6.90% on balances transfer for six (6) months starting May 1st, 2010

	Annual percentage rate is based on an index, the Wall Street Journal Prime Rate (which may change). The annual percentage rate may vary periodically. The minimum annual percentage rate that can apply is 4.25% APR floor, and the maximum annual percentage rate that can apply is 18% APR. We will not charge you any fees to open, use, or maintain your Home Equity Line of Credit. However, you may pay certain fees to third parties to open the plan. Those fees are generally between $300 - $500. (We are currently paying up to $300 of third party fees) You must also maintain property and flood insurance (if necessary) on your dwelling . * Minimum loan amount $5000 - maximum loan balance $200,000. The maximum loan to value is 80%
	APY = Annual Percentage Yield APR = Annual Percentage Rate	Rates are subject to change

Equal Housing Lender We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act

info@maccu.org
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - NCUA National Credit Union Administration, a U.S. Government Agency

VEHICLE LOANS

NEW '09-'10

USED '03- '08

USED '02 & OLDER