Rates

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Loans | Mortgage | Savings | Certificates

Rates effective as of May 8, 2008

Loans	APR	Term
New and Used Vehicle, Motorcycle, Boat & RV	5.79	66	Calculator
New and Used Vehicle, Motorcycle, Boat & RV	6.79	84	Calculator
New/Used Boat, RV - 85 - 144 months	10.04	144	Calculator
Home Equity - 80% LTV	6.99	180	Calculator
Home Equity - Second Home 70% LTV	8.49	180	Calculator
Home Equity - Investment Home 70% LTV	8.49	144	Calculator
Home Equity - 100% LTV	11.75	84	Calculator
On The House - 15-year Refinance	6.000	180	Calculator
On The House - 15-year Refinance Second Home	7.500	180	Calculator
On The House - 12-year Refinance Investment Home	7.500	144	Calculator
On The House - 30-year Refinance	6.250	180	Calculator
On The House - 30-year Refinance Second Home	7.750	180	Calculator
On The House - 30-year Refinance Investment Home	7.750	144	Calculator
PrimeLine - Home Equity Line of Credit	4.75	n/a	Calculator
PrimeLine First - Line of Credit Refinance	4.50	n/a	Calculator
Under the Roof - Home Equity Line of Credit	4.75	n/a	Calculator
Under the Roof First - Line of Credit Refinance	4.50	n/a	Calculator
VISA Platinum and Platinum Rewards	10.90	n/a	Calculator
VISA Classic	14.50	n/a	Calculator
Personal Closed End	15.00	84	Calculator
PowerLine - Personal Unsecured Line of Credit	11.00	n/a	Calculator
Share-Secured - account rate plus 3%	0.00	120	Calculator
Certificate-Secured - certificate rate plus 3%	0.00	n/a	Calculator

Rates subject to change. APR = annual percentage rate. A 2.00% APR increase will apply to loans without automatic payment, excluding VISA, PowerLine, PrimeLine, Under the Roof and first mortgage loans. Insurance is required to obtain any secured loan. Loans subject to all credit union policies and procedures. Vehicle, Motorcycle, Boat, RV: Pricing limited to manufacturer franchise dealers only. Some limitations may apply. Terms vary depending on loan amount and/or vehicle value. Maximum loan amount for vehicles is $100,000; motorcycles and boats is $75,000; RVs is $75,000. Additional amounts and terms may be available, call for details. The Credit Union reserves the right to determine collateral value of vehicles based on market value by the Kelley Blue Book and boats based on market value by the NADA Boat Appraisal Guide, or by full appraisal. Representative example: Pay $17.73 per month per $1000 borrowed for 66 months at 5.79% APR with up to 100% financing. All home equity loans: Credit limited to California owner-occupied properties of 5 acres or less. An early closure fee of $100 plus actual costs will be imposed if loan is closed within six months of opening. We lend up to 80% of the first $500,000 in appraised home value and 50% on the remaining home value, less first mortgage balance. Minimum loan amount is $15,000 maximum loan amount is $600,000. Notary and reconveyance fees are the responsibility of the borrower. All persons on the property title are required on the loan application. Loans over $100,000 require income verification. No manufactured or mobile homes. Second home/investment home loan exceptions: we lend up to 70% of the appraised home value to a maximum of $500,000 on California properties. Investment homes have a maximum term of 12 years. Home Equity: Rates increase by 0.25% APR for loans over $417,000. Representative example: Pay $9.41 per month per $1,000 borrowed for 180 months at 7.75% with 80% LTV. On The House: Maximum term is 15 years. The 30/15 option allows for lower monthly payments amortized over 30 years. The balance will need to be refinanced or paid off after 15 years. Rates increase by 0.25% APR for loans over $417,000. PrimeLine/PrimeLine First/Under the Roof/Under the Roof First: Rates change with the prime rate as published in the 'Money Rates' section of the Wall Street Journal. The PrimeLine/Under the Roof variable rate is 0.50% APR less than the prime rate and the PrimeLine First/Under the Roof First variable rate is 0.75% APR less than the prime rate. Actual costs apply for loans over $250,000. Initial setup fees generally range between $500 and $700 for lines over $250,000. An annual fee of $50 will be charged only if the account is inactive for one year. The maximum APR is 18.00%. VISA Platinum Rewards: A $60 annual fee applies. Fee will be waived the first year. PowerLine: Variable rate loan; rate may change semi-annually. A $2.00 monthly fee will be assessed if the balance remains at zero for the entire month. The APR will not decline below 11.00% APR or increase above the legally permissable rate. This information is subject to change. Other restrictions may apply. For current information, please call the Credit Union.

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Rates effective as of May 9, 2008

15-year Fixed-Rate Conforming Loan - Maximum $417,000 Financed

Rate Points APR

5.500 0.00 5.544

5.125 1.50 5.401

30-year Fixed-Rate Conforming Loan - Maximum $417,000 Financed

Rate Points APR

5.875
0.00 5.902

5.500 1.50 5.664

30-year Fixed-Rate Conforming Plus Loan - Maximum $729,750 Financed

Rate Points APR

6.000
0.00 6.025

5.625 1.50 5.788

Some Restrictions Apply. Contact Credit Union for details.

15-year Fixed-Rate Jumbo Loan - Maximum $1,000,000 Financed

Rate Points APR

9.875 0.75 10.054

9.125 1.50 9.431

30-year Fixed-Rate Jumbo Loan - Maximum $1,000,000 Financed

Rate Points APR

10.500 0.25 10.563

9.250 1.50 9.454

30-year 3/1 Adjustable Rate Mortgage (ARM) Conforming - Maximum $417,000 Financed

Rate Points APR

5.500
0.00
5.146

4.250 1.50
5.280

30-year 3/1 Adjustable Rate Mortgage (ARM) Jumbo Loan - Maximum $1,000,000 Financed

Rate Points APR

7.125 0.00 5.144

6.000 1.50 5.278

30-year 5/1 Adjustable Rate Mortgage (ARM) Conforming - Maximum $417,000 Financed*

Rate Points APR

5.250 0.00 5.146

4.500 1.50
5.280

30-year 5/1 Adjustable Rate Mortgage (ARM) Jumbo Loan - Maximum $1,000,000 Financed

Rate Points APR

6.500 0.00 5.144

6.000 1.50 5.278

Index Source = 1-year Libor
Margin = 2.250
Index Rate = 2.873% = 5.12
Annual Cap = 2.000
Life Cap = 5.000%

Rates, points and programs cannot be guaranteed and are subject to change without notice. Loans may be processed by CUSO Mortgage, a broker licensed by the California Deprtment of Real Estate. Call the real estate department at (888) 858-6878, ext. 6220 for quotes on loan amounts over $650,000 or under $75,000 or for a quote when a loan to appraised value exceeds 80% of the appraised value. There are no prepayment penalties on these quotes. Call the Real Estate Department for FHA, VA, Rental, Vacation, and Second Home quotes. Representative example: pay $5.92 per month per $1,000 borrowed at 5.875% Rate for 30 years. Annual Percentage Rates (APR) are calculated using a loan amount of $417,000 for conforming loans and $450,000 for Jumbo Loans. Actual APR may vary and will be disclosed at time of application. *Fixed for first 5 years, ARM for 25 years, 3/1, 7/1, and 10/1 quotes available.

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Rates effective as of May 8, 2008

Savings - Regular, IRA and Education Savings Accounts
APY*
Term Minimum Balance to earn APY

Savings Account .50 n/a $100

Savings Account 1.00 n/a $2,500

Money Market Account 2.00 n/a $2,500

Money Market Account 2.25 n/a $25,000

Money Market Account 2.50 n/a $75,000

Dividend Checking 0.25 n/a $500

APY = annual percentage yield. Rates subject to change after account is opened. Fees may reduce earnings. Dividends are credited on the last day of the month and compound monthly. Savings Accounts: $5 minimum opening deposit required. Money Market: No minimum opening deposit required. Dividend Checking: $25 minimum opening deposit required.

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Rates effective as of May 8, 2008

Certificates - Regular, IRA and Education Savings Accounts

APY (Balances under $50,000)

APY (Balances $50,000 and over )

Term

Minimum Balance to earn APY

6-month 2.40 2.55 6 $1,000

1-year 2.60 2.75 12 $1,000

2-year 2.75 2.90 24 $1,000

3-year 3.25 3.40 36 $1,000

4-year 3.40 3.55 48 $1,000

5-year 3.50 3.65 60 $1,000

18-month Bump-up 2.65 2.80 18 $1,000

30-month Add-on 2.75 2.90 30 $1,000

For members age 23 and under, the minimum amount opening amount is $100 for regular, IRA and Education Savings certificates.

Dividends are credited on the last day of the month and compound monthly. Annual Percentage Yield (APY) assumes dividends remain on deposit until maturity. Fees may reduce earnings and a penalty may be imposed for early withdrawal. Add-on certificates: For members age 23 and under, the minimum add-on is $100 anytime during the term. For members over 23, the minimum add-on is $1,000 for regular certificates and $500 for IRA certificates, anytime during the term of the certificate. Additional deposits do not advance maturity. Bump-Up Certificate: One dividend increase per term. Maturity date will not advance.

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