First Educators Credit Union - Alabama Credit Union

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CONSUMER LOAN RATES - EFFECTIVE 06/09/10
DESCRIPTION	MONTHS	A Rate
*New Vehicle Loans Includes Current or Prior Year Used Vehicles With Under 15,000 Miles	48	N/A
	60	4.75%
New Vehicle Only >$20,000	72	5.00%

Used Vehicle Loans
Used Vehicle Loans (2007-09) < 35k miles	72	5.25%
2006 to 2009 model	60	5.25%
2003 to 2005 model	48	5.75%
2003 and older	36	6.25%

Boats:
Used	48	6.95%
New	60	6.50%

**Other Secured Loans
Used	36	7.50%
New	48	6.50%
New	60	6.75%

Deposit Secured
Shares or Certificates	60	2% Over Dividend Rate
		Minimum 4%.
Single Payment	12	Not to exceed Maturity of CD

Business Loans		Prime plus 1%.

Unsecured Loans
Single Payment	6	9.25%
Line of Credit/OE	OE	11.25%
Closed End	12	10.70%
Closed End	24	11.00%
Closed End	48	11.25%
Credit Rebuilding Loan		18.00%

Visa
Visa Gold (No Annual Fee)		9.95%
Visa Classic (No Annual Fee)		14.95%
* Vehicle loans include cars, trucks, vans and motor homes. Other secured loans include motorcycles, garden tractors, 4 wheelers, trailers, etc. * Maximum 48 month for all vehicles with more than 65,000 miles. LTV based on NADA retail for used vehicles or MSRP for new Vehicles.

MORTGAGE LOAN RATES - EFFECTIVE 06/09/10
TYPE OF LOAN	**ORG FEE	TERM	APR
Variable Rate Loans
1 Year ARM	1%	30 Years	4.50%
5/1 ARM	1%	30 Years	4.75%
Fixed Rate Loans
For terms greater than 10 years contact the Mortgage department at 581-8800/800-264-8031
	1%	30 Years	Quote
	1%	10 Years	5.25%
	1%	5 Years	4.75%
Second Mortgage Loans
Variable Rate Loans	1%
First Mortgage Rate + 1% if 1st mortgage is not with FECU. If we have 1st mortgage, rate is same as stated 1st mortgage rate.
Home Equity
Variable Rate Line of Credit	NA	LOC	4.25%
*Quick Close Fixed Rate	NA	7 Years	6.25%
*Quick Close Variable Rate	NA	LOC	5.25%
Quick Close Loans are limited to $50,000.00 max. No closing cost to the member. Minimum loan of $10,000.00. All loan rates are based on creditworthiness. Your actual rate may be higher. *ORG FEE applies to new cash out only Rates quoted above are 80% LTV, add .25% for each additional 5% LTV

PROPOSED SHARE DIVIDEND APY - EFFECTIVE 07/30/10
101-9,999		0.50%
10,000 - 39,999		0.750%
40,000 - 75,000		1.050%
>75,001 - 100,000		1.100%
> 100,000		1.350%

MONEY MARKET APY - EFFECTIVE 07/30/10
2,500 - 9,999		0.60%
10,000 - 24,999		0.80%
25,000 - 49,999		1.05%
>50,000 - 75,000		1.15%
>75,000 AND ABOVE		1.25%
SUPER NOW CHECKING APY - 07/30/10
1,000 - 9,999		0.350%
10,000 - 24,999		0.450%
25,000 - 49,999		0.600%
>50,000 AND ABOVE		0.800%
PRIME PLUS - 07/30/10
> 500		0.25%
All rates above are as of 06/30/10. Rates subject to change. Call the credit union for the most current rates.

CD RATES AND APY - EFFECTIVE 08/05/10
TERM		APY
90 DAYS PAID AT MATURITY		0.50%
6 MONTH PAID QUARTERLY		0.85%
1 YEAR PAID QUARTERLY		1.25%
18 MONTH PAID QUARTERLY		1.30%
2 YEARS PAID QUARTERLY		1.60%
30 MONTH PAID QUARTERLY		1.65%
3 YEARS PAID QUARTERLY		1.85%
4 YEARS PAID QUARTERLY		1.95%
5 YEARS PAID QUARTERLY		2.20%
IRA SHARE		Same as Share Account
6 MONTH IRA CD		1.15%
12 Month IRA CD		1.40%
18 MONTH IRA CD		1.50%
24 Month IRA CD		1.80%
30 Month IRA CD		1.90%
36 Month IRA CD		2.15%
48 Month IRA CD		2.30%
60 Month IRA CD		2.60%
Rates subject to change. Call the credit union for the most current rates.

Loan Rates: