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Savings, Checking and Money Market Accounts - Effective 07/1/2008
Savings, Checking and Money Market Types Rate APY*
Regular Share up to $2,499.99 ($25 to open, $100 each day to earn disclosed APY) 0.750 0.750
Regular Share           $2,500.00 - $4,999.99 ($25 to open, $100 each day to earn disclosed APY) 0.750 0.750
Regular Share           $5,000.00 - $9,999.99 ($25 to open, $100 each day to earn disclosed APY) 0.750 0.750
Regular Share         $10,000.00 - $Above ($25 to open, $100 each day to earn disclosed APY) 0.900 0.900
VISA Share Secured                                     ($500 to open, $500 each day to earn disclosed APY) 0.500 0.500
IRA Share         up to $9,999.99 ($25 to open, $25 minimum subsequent deposit) 1.600 1.610
IRA Share                 $10,000.00 - $39,999.99 ($25 to open, $25 minimum subsequent deposit) 1.750 1.760
IRA Share                 $40,000 - $Above ($25 to open, $25 minimum subsequent deposit) 1.840 1.860
Basic Plus Checking         up to  $2,499.99 ($100 to open, $500 each day to earn disclosed APY) 0.250 0.250
Basic Plus Checking        $2,500.00 - $4,999.99 ($100 to open, $500 each day to earn disclosed APY) 0.350 0.350
Basic Plus Checking        $5,000.00 - $9,999.99 ($100 to open, $500 each day to earn disclosed APY) 0.350 0.350
Basic Plus Checking        $10,000.00 - $Above ($100 to open, $500 each day to earn disclosed APY) 0.500 0.500
Premier Interest Checking       up to  $2,499.99 ($100 to open, $1,000 each day to earn disclosed APY) 0.350 0.350
Premier Interest Checking       $2,500.00 - $4,999.99 ($100 to open, $1,000 each day to earn disclosed APY) 0.450 0.450
Premier Interest Checking       $5,000.00 - $9,999.99 ($100 to open, $1,000 each day to earn disclosed APY) 0.550 0.550
Premier Interest Checking      $10,000.00 - $Above ($100 to open, $1,000 each day to earn disclosed APY) 0.550 0.550
Money Market Account           $2,500.00 - $9,999.99 ($2500 to open, $2500 each day to earn disclosed APY) 1.980

2.000

Money Market Account           $10,000.00 - $24,999.99 ($2500 to open, $2500 each day to earn disclosed APY) 2.760 2.800
Money Market Account           $25,000.00 - $49,999.99 ($2500 to open, $2500 each day to earn disclosed APY) 2.960 3.000
Money Market Account         $50,000.00 - $99,999.99 ($2500 to open, $2500 each day to earn disclosed APY) 3.200 3.250
Money Market Account         $100,000.00 and above ($2500 to open, $2500 each day to earn disclosed APY) 3.490 3.550
*APY=Annual Percentage Yield
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Certificate and IRA Certificate Accounts Effective 07/7/2008
Certificate and IRA Certificate Account Types Rate APY* Term in Months
6 Months                        ($1,000 to open) 2.96 3.00 6
6 Month Mini Jumbo  ($40,000 to open) 3.15 3.20 6
6 Month Jumbo           ($75,000 to open) 3.25 3.30 6
12 Months -IRA                      ($1,000 to open) 3.15 3.20 12
12 Month Mini Jumbo-IRA  ($40,000 to open) 3.30 3.35 12
12 Month Jumbo-IRA           ($75,000 to open) 3.44 3.50 12
12 Months-Non IRA                       ($1,000 to open) 3.15

3.20

12
12 Month Mini Jumbo-Non IRA  ($40,000 to open) 3.30 3.35 12
12 Month Jumbo-Non IRA           ($75,000 to open) 3.44 3.50 12
18 Months                         ($1,000 to open) 3.25 3.30 18
24 Month Step Rate 24 Month  ($1,000 to open) 3.40 3.45 24
24 Month Step Rate Plus 24 Month ($10,000 to open) 3.49 3.55 24
24 Months                         ($1,000 to open) 3.49

3.55

24
36 Months                         ($1,000 to open) 3.69 3.75 36

48 Months                         ($1,000 to open)

3.93 4.00

48

   

                                                       Loan Rates  Effective 3/11/2008

   

Loan Type

Annual Percentage Rate Terms Available
New Auto 5.70% to 17.79% Up to 78 Months
Used Auto 5.90% to 17.79% Up to 72 Months
Boat, Motor, Trailer - New 5.70% to 17.79% Up to 96 Months
Boat, Motor, Trailer - Used 6.75% to 17.79% Up to 48 Months
Motorcycle - New 5.70% to 17.79% Up to 72 Months
Motorcycle - Used 7.00% to 17.79% Up to 60 Months
Recreational Vehicle - New (RV & Travel Trailers) 5.85% to 17.79% Up to 120 Months
Recreational Vehicle - Used (RV & Travel Trailers) 6.75% to 17.79% Up to 84 Months
Other Collateral 6.50% to 17.79% Up to 72 Months
Personal 8.75% to 17.79% Up to 60 Months
Other Recreational Vehciles - New 5.85% to 17.79% Up to 60 Months
Other Recreational Vehicles - Used 6.75% to 17.79% Up to 48 Months
Line of Credit-Smart Cash 9.50% to 17.50%  
Line of Credit-Presto Cash 13.75%  
Summer/Holiday Promo 10.00% Up to 12 Months
Share Secured 4.00% Up to 60 Months
Certificate Secured 2% above collateral certificate rate

Up to 60 Months

                                           
   

*APY=Annual Percentage Yield.
Term is stated in months.
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All loan and certificate rates are subject to change. Early withdrawal penalties may apply. Fees may reduce earnings on accounts. Certificates automatically renew on the scheduled maturity date at the then current rate for the specific product. The A.P.Y. assumes that dividends remain in the account until maturity. Withdrawals will reduce earnings.

The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your creditworthiness, the term and collateral offered.  Not all collateral can be financed for the maximum term stated.

Preferred Rate:  With the exception of Presto Cash and Smart Cash Lines of Credit, you may receive a discount of 0.25% on your Annual Percentage Rate (APR) if you make your payments through automatic draft.  You may also qualify for a discount of up to 0.25% up to 0.50% on your APR if your advance is 80% or less of Manufacturer's Suggested Retail Price (MSRP).  For Smart Cash Lines of Credit and Personal loans, you may receive a discount of 1.00% if you maintain a checking account with CSCU.  The discount you receive is based on the type of loan subaccount and your creditworthiness

Rate Add-ons:  If you advance exceeds the maximum advance of the Manufacturer's Suggested Retail Price (MSRP), we may add 1.00% to the normal rate for every 5% above the maximum advance of MSRP.  The maximum advance of MSRP is based on your creditworthiness.  Please ask us for the rate add-on you may receive.
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