Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Products-Rates

Co-Operative Credit Union offers highly competitive rates for a variety of products. Whether its investing, saving or loans, Co-Operative Credit Union has a product with a rate that is right for you! Listed below are our most recent rates on all of our products.

Loans Rates

Loan rates are based on your credit worthiness. The rates listed below are Co-Operative Credit Union's best rates. Your rate could be higher based on your credit history and/or the age of your collateral. All rates are subject to change without prior notice. Rates accurate as of January 03, 2012.

Autos and Motorcycles

Model Year	Term	APR	Pmt/$1000†
2012/11 (<10,000 miles)	up to 36 months	3.49%	$30.56
	48	3.90%	$23.71
	63	3.90%	$18.69
	66	3.90%	$17.97
	72	3.90%	$16.69
($28K Min. MSRP)	84	4.90%	$15.25
2011 (>10,000 miles)	63	3.90%	$18.69
	66	3.90%	$17.97
	72	3.90%	$16.69
2010	63	3.90%	$18.69
	66	3.90%	$17.97
	72	3.90%	$16.69
2009	60	3.90%	$19.50
	66	3.90%	$17.97
2008	60	3.90%	$19.50
2007	54	3.90%	$21.37
2006	48	3.90%	$23.71
2005 & Older	48	3.90%	$23.71

Home Equity Loans

Term	APR	Pmt/$1000†
Up to 60 months	3.90%*	$19.50
84	4.25%*	$14.89
120	4.50%*	$11.53
180	5.25%*	$8.76
240	6.90%*	$8.35
Home Equity Line of Credit (HELOC)	2.75%**	Locked 'til 1-1-2013
Thereafter, rates as low as	3.99%

Closing costs of $90 to $350 are waived for all owner-occupied homes with new Home Equity Fixed Rate Loans and new Home Equity Line-of-Credit (HELOC) Loans with a credit line of $10,000 or more. Excludes Co-Operative refinances. Loans and rates are subject to credit approval. Other rates and terms are available; some restrictions apply. Rates are subject to change. Limited time offer.

Recreational - Boats, RVs & Classic Cars

Term	APR	Pmt/$1000†
Up to 48 months	6.90%	$25.23
60	6.90%	$21.06
72	6.90%	$18.31
84	6.90%	$16.38
120	7.90%	$13.69
180	8.50%	$10.95

Boat loan maximum terms: $8,999 up to 60 months, $19,999 to 72 months, and over $20,000 to 120 months.

Personal Loans - Secured

Term	APR	Pmt/$1000†
Up to 48 months	10.90%	$27.36

Personal Loans - Unsecured

Term	APR	Pmt/$1000†
Up to 48 months	12.90%	$28.46
Kwik-Cash Line of Credit	16.00%	N/A

† Payments include single Credit Protection coverage. Joint LIfe and Credit Protection coverage are also available.

All consumer loan rates those offered to members with good credit histories. Members may qualify for loans at rates that are commensurate with their credit histories. All rates and terms are subject to change without notice. Published rate may be adjusted based on credit score, down payment, debt ratio, and income.

* Fixed Rate: Rates available on owner-occupied homes with Auto Pay only, otherwise 1/4% higher. Payments on a 5 year, 80% LTV loan would be $19.50 per thousand borrowed. Payments will vary based on insurance protection coverage. Minimum loan amounts may apply. Other rates apply for non-owner occupied homes, higher LTV and lower credit scores. Homeowners insurance required.

** HELOC: 2.75% APR available on owner-occupied homes with loans up to 80% Loan-To-Value (LTV) and credit scores of 680 or higher. Other rates and terms are available for non-owner occupied homes or lower credit scores. Rate is locked until 1-1-2013, then set a Prime (recently 3.25%) or 3.99% APR, whichever is higher. Rate may vary. Interest-only payments are available for the first 10 years, then the payment would be $1.75 per $100 of the loan balance. Maximum rate 20%. Minimum credit line is %5,000. Early termination fee applies. Homeowners insurance required.

Savings and Certificate Rates

Your savings are Federally Insured to at least $250,000 and backed by the full faith and credit of the United States Government. All rates are subject to change without prior notice. Rates are accurate as of January 03, 2012.
Nominal
Savings Rate APY* Minimum Balance

Share Account	0.15%	0.15%	$0.00
Tiered Account** ($100-$2,499)	0.10%	0.10%	$100.00
Tiered Account** ($2,500-$9,999)	0.15%	0.15%	$2,500.00
Tiered Account** ($10,000-$24,000)	0.30%	0.30%	$10,000.00
Tiered Account** ($25,000 plus)	0.50%	0.50%	$25,000.00
Christmas Club Account	0.15%	0.15%	$10.00
Choice Share Draft Account	0.10%	0.10%	$250.00

*APY is annual percentage yield

**Tiered savings are Koala Club Account, Choice Share Account, and Choice IRA Account

Nominal
Certificates (Regular and IRA) Rate APY* Minimum Balance

90 Days (Regular Certificate Only)	0.40%	0.40%	$500 or Student $250
6 Month	0.50%	0.50%	$500 or Student $250
12 Months	0.70%	0.70%	$500 or Student $250
18 Months	0.90%	0.90%	$500 or Student $250
2 Years	1.00%	1.00%	$500 or Student $250
3 Years	1.19%	1.20%	$500 or Student $250
4 Years	1.49%	1.50%	$500 or Student $250
5 Years	1.88%	1.90%	$500 or Student $250

*APY is annual percentage yield. Penalties may apply for early withdrawal. Early withdrawal may reduce the earnings on the account.

Loans

Savings

Checking

Services

Rates

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Products-Rates