Rates - Riegelwood Federal Credit Union

Type	Balance Requirements	%Rate	%APY
Regular Shares	$0.00 - $10000.00	1.25%	1.26%
	$10001.00 - $50000.00	1.50%	1.51%
	$50,001.00 - up	1.75%	1.76%

Super Shares	$2,500.00 Minimum Balance	1.25%	1.26%
Checking	No Minimum Balance	0.50%	0.50%
Christmas Club	$10,000 Maximum Balance	1.25%	1.26%
Money Market	$250.00 Minimum Balance * (effective 5/1/2008)	3.11%	3.15%

Dividends accrued daily - paid monthly. Rates are subject to change monthly without notice.

* $2.00 Fee for balances below $250.00; $2.00 Over Limit Transaction Fee

Type	Balance Requirements	%Rate	%APY
6 Months CD	$2,500.00 Minimum *	3.15%	3.20%
12 Months CD	$2,500.00 Minimum **	3.20%	3.25%
24 Months CD	$5,000.00 Minimum **	3.25%	3.30%
IRA (Variable)	$25.00 Minimum (effective 5/1/2008)	3.69%	3.75%

Dividends accrued daily - paid monthly. Rates are subject to change monthly without notice.

* 30 Day Penalty will apply for early withdrawal

** 60 Day Penalty will apply for early withdrawal

*** 90 Day Penalty will apply for early withdrawal (Special CD)

Type	Term Requirements	%Rate
Autos
New (*) 08/07	Up to 72 mos.	5.50%- 10.95%
New Over $35,000	Up to 84 mos.	5.50%-10.95%
Used (2 yrs old) (07, 06)	Up to 72 mos.	5.95%-11.95%
Used (Next 6) (05-00)	Up to 60 mos.	5.95%-11.95%
Older Models	Up to 42 mos.	5.95%-11.95%
Classic CPI Bk. Val Discretion of LO w/ auto inspection	Up to 60 mos.	5.95%-11.95%

Motorcycles
New 90% of MSRP	Up to 72 mos.	5.50%- 10.95%
Used 80% of Book value	Up to 54 mos.	5.95%-11.95%
Harley Davidson New 100% of MSRP	UP to 72 mos.	5.50%- 10.95%
Harley Davidson Used 80% of NADA Retail	Up to 72 mos.	5.95%-11.95%

ATVS (4 Wheelers)
New 90%MSRP	Up to 42 mos.	5.50%-10.95%
Used 80% Book Value	Up to 36 mos.	5.95%-11.95%

Airplanes
New 100% List	Up to 120 mos.	5.50%-10.95%
Used Book Value	Up to 120 mos.	5.95%-11.95%

Farm Equipment
New 100% Purchase	Up to 72 mos.	5.50%-10.95%
Used Purchased Funds only.	Up to 60 mos.	5.95%-11.95%

Mowers $ over 5k
New 100% Purchase	Up to 54 mos.	5.50%-10.95%
Used CU Appraisal	Up to 36 mos.	5.95%-11.95%

Campers, Travel Trailers, & Motor Homes
New 100% List	Up to 84 mos.	5.50%-10.95%
Used Book Value	Up to 72 mos.	5.95%-11.95%

Boats, Trailers, Personal Watercraft
New 100% List	Up to 84 mos.	5.50%-10.95%
Used Book Value	Up to 72 mos.	5.95%-11.95%

Computers ($ over 5K)
New	Up to 24 mos.	4.95%

Mobile Homes
New 100% Selling Price	Up to 180 mos.	5.50%-10.95%
Used Book Value	Up to 180 mos.	5.95%-11.95%

Miscellaneous
Signature	Risk based / unsecured up to 60 mos.	8.50%- 13.95%
Cosigner	Risk based / unsecured up to 60 mos.	8.50%- 13.95%
Single Payment	Risk based / unsecured up to 60 mos.	8.50%-13.95%
LOC	Risk based / unsecured up to 60 mos.	8.50%-13.95%
VISA $10K		7.75%-14.75%
Share & MMC	No Max Up to 120 mos.	5.00%
Single Payment	No Max Up to 12 mos.	5.00%
Stock	50% Market Value Up to 60 mos.	7.00%
Overdraft Line Of Credit	Risk based/unsecured up to $1000.00($25.00 15 day Late Fee)	17.95%

Home Equity**		7.50%

Mortgages	Call the credit union for mortgage information.
1st Mortgage Home Refinance
1st Mortgage M/H and Lot
1st Mortgage Lot & Acreage Purchase
1st Mortgage Home Purchase

2nd Mortgages
Closed-end Home Equity
Closed-end M/H and Lot Equity
Closed-end Lot Equity

ARM - Closed End
3 Year ARM
5 year ARM

Autos: Refinances on existing loans with credit union must have cash advance of $1000.00 if the equity is there.

*100% (Not to exceed) MSRP or Demos w/less than 20K Miles/Not titled. (Including tax, tags, warranty)

** Variable Rate Home Equity Open End Line of Credit. Interest Rate Index = Prime + 1.00%. Rate declared December 1 and June 1 of each year. Rate adjusted January 1 and July 1 of each year.

** All loans on monthly payments that have direct deposit and setup on PADS can receive a .25% reduction in their interest rate.

Salvage/Junk/Rebuilt/Reconstructed/Flood on the title are not allowed. Vehicle with wrecked history - verified through CARFAX - Loan up to 75% of loan value with proof of collision insurance.

Type	Balance Requirements	%APR
Platinum	$10,000.00 Maximum	7.75% to 13.75%

Cash Advance		7.75% to 13.75%
Balance Transfer		7.75% to 13.75%
Late Payment Fee	$25.00	n/a
Over the credit limit fee	$25.00	n/a
NSFfee	$15.00	n/a

Fee Description	Fee
Checking Fees

Business Share Draft Monthly Fee	$10.00
NSF Fee	$20.00 per item
NSF Manual Clearing Fee	$20.00 per item
Stop Payment Fee	$10.00 per draft
Check Copy	$1.50 per check
Reconciliation Fee	$20.00

Money Market Account Fees
Balances below $250.00 (per month)	$2.00
Over Transaction Limit	$2.00

VISA Check Card/ATM Fees
Replacement Card	$5.00
PIN and Replacement	$5.00
2 Yr. Card Renewal Fee	$2.00
Overdraft Fee (per item)	$20.00
(Deposited) Return Check Chg.	$20.00
Cash Points Deposit Card	$2.00

ACH Fees
NSF Fee (returned/manually cleared)	$20.00
Stop Payment (per draft)	$10.00

Mortgage Loan Fees
Origination Fee	1%

Overdraft LOC Fees
15 Day Late Fee	$25.00

Miscellaneous
Wire Transfer (outgoing) Fee	$15.00 per transfer
Money Order Fee	.50 per order
Statement Copies (per copy after 1st copy)	$1.50
Research Fee	$30.00 per hour
Insufficient Returned Checks	$10.00
International Wire	$30.00
Fax fee (per page)	$1.00
Inactive Member check cashing	$5.00
Teller checks (2 per month-free)	$2.00
Teller check Stop Payment	$15.00
Safety Deposit (drill)	$150.00
S/D replacement key	$27.00

Home Banking / Bill Payment
Home Banking	Free to our members
Bill Payment Investigation Fee	$20.00
Stop Payment Fee for Bill Pay	$20.00
NSF Fee	$20.00 per item
NSF Manual Clearing Fee	$20.00 per item

The Savings Plans we offer are insured to at least $100,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.