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APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates
Rates as of 8/8/2008.
Rate Description Term Payment Description APR APR Type
Signature Loan 36 months $34.67 a month per $1,000 borrowed 15.00% Fixed
2008-2007 72 months $16.57 a month per $1,000 borrowed 6.00% Fixed
2006-2005 60 months $19.80 a month per $1,000 borrowed 7.00% Fixed
2004-2003 54 months $21.64 a month per $1,000 borrowed 7.00% Fixed
2002-2001 48 months $24.41 a month per $1,000 borrowed 8.00% Fixed
2000-1999 42 months $27.61 a month per $1,000 borrowed 8.50% Fixed
1998-older 36 months $32.03 a month per $1,000 borrowed 9.50% Fixed
Home Equity Loan 60 months $20.27 a month per $1,000 borrowed 7.50% Fixed
New Recreational Vehicle 36 months $32.27 a month per $1,000 borrowed 10.00% Fixed
Used Recreational Vehicle 24 month $46.14 a month per $1,000 borrowed 10.00% Fixed
Share Backed Variable $29.19 a month per $1,000 borrowed (36 months) 3.25% Fixed
Share Certificate Backed Variable $19.68 a month per $1,000 borrowed (36 months) 6.75% Fixed

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Certificates
Rates as of 8/8/2008.
Rate Description Term Dividend Rates APY
6 month At Maturity 2.75%
9 month At Maturity 2.75%
12 month Semi-Annually 3.00%
24 month Annually 3.05%
36 month Annually 3.15%

NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Savings/Shares Rates
Rates as of 8/8/2008.
Rate Description Term Dividend Rates APY
Regular Shares 1.10% 1.10%
Christmas Club 0.60% 0.60%
Vacation Club 0.60% 0.60%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

IRAs
Rates as of 8/8/2008.
Rate Description Term Dividend Rates APY
Roth Quarterly 3.55%
Traditional Quarterly 3.55%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.
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Consolidated Hub-Co Federal Credit Union