Please click here to view our current fee schedule, effective July 1, 2008.

Rates and Fees

CD Rates	Minimum	Rate	APY *
3 Month CD	$1,000	1.40%	1.42%
6 Month CD	$1,000	2.25%	2.28%
9 Month CD	$1,000	2.50%	2.54%-
12 Month CD	$1,000	2.40%	2.43%
18 Month CD	$1,000	2.60%	2.64%
24 Month CD	$1,000	2.80%	2.84%
30 Month CD	$1,000	2.60%	2.64%
36 Month CD	$1,000	3.00%	3.05%
60 Month CD	$1,000	3.15%	3.20%

Savings Rates	Minimum	Rate	APY *
Share Savings	$200	0.30%	0.31%
Kids Savings	$200	0.30%	0.31%
Special Savings	$50	0.30%	0.31%
Summer Payment Savings	None	0.30%	0.31%
Christmas Savings	None	0.30%	0.32%
Money Market	$2,000	1.85%	1.87%
Business Savings	$200	0.30%	0.31%

Checking Accounts	Minimum	Rate	APY *
Share Draft Plus	$800	0.30%	0.31%
First Advantage	$500	0.30%	0.31%
Business Checking	$1,000	0.30%	0.31%

IRA's	Minimum	Rate	APY *
Traditional IRA Savings	None	1.75%	1.77%
Roth IRA Savings	None	1.75%	1.77%
Education IRA Savings	None	1.75%	1.77%

*Annual Percentage Yield Please Contact A Member Service Representative For Further Information About Applicable Fees And Terms. Office Telephone Numbers: Main Office: (956) 541-9154 Morningside Branch: (956) 541-9481 And San Benito: (956) 361-3503. All Rates Subject To Change Without Notice. Revised: 08/06/08

Loan Rates

Loan Type	Terms	Current Rate
Signature	12 Months to 48 Months	10.00% Up To 17.25%
MasterCard	Based on Balance	13.50%
Gold MasterCard	Based on Balance	11.50%
Overdraft	Based on limit	14.75%
New and Used Cars	24 Months to 72 Months	Up To 10.50%
Refinance Autos	Remaining Term Floor Rate	2.00% Discount Up To 9.25%
Motorcycles	24 To 48 Months	Up To 9.00%
New And Used Travel Trailers, Motorhomes, Campers & RV's	24 To 60 Months	Up To 10.25%
Mobile Homes	60 Months To 120 Months	Negotiable*
New and Used Boats	36 Months To 72 Months	Negotiable*
Stock Secured	36 Months	14.00%
Share Secured	60 Months	7.50%
Certificated Secured	180 Months	Certificate Rate + 3.00%
Home Improvement	36 Months To 120 Months	7.75% - 9.00%
Unimproved Property	36 Months To 180 Months	7.75% - 9.00%
Improved Property	120 Months To 360 Months	7.75% - 9.50%
Home Equity	60 Months To 180 Months	8.75% - 10.25%
Emergency Loans	12 Months To 24 Months	15.50% - 15.75%

*Interest rates are negotiable based on your credit history, debt ratio and length of employment.

ALL REAL ESTATE LOAN RATES ARE NEGOTIABLE – SEE REAL ESTATE OFFICER 

*Annual Percentage Yield Please Contact A Member Service Representative For Further Information About Applicable Fees And Terms. Office Telephone Numbers: Main Office: (956) 541-9154 Morningside Branch: (956) 541-9481 And San Benito: (956) 361-3503. All Rates Subject To Change Without Notice. Revised: 08/06/08