Rates

Rates

Loans | Mortgage | Savings | Certificates

Effective March 20 , 2012

Loans **	Rate as low as**	Mo. Pmt. per $1000 APR*	APR*	Term
New Vehicles up to 100% financing	2.500	$14.95	2.500	72	Calculator
Used Vehicles up to 100% financing	3.500	$18.16	3.500	60	Calculator
New Recreational & Farm Vehicles 90% financing	5.500	$19.05	5.500	60	Calculator
Used Recreational & Farm Vehicles 80% financing	5.500	$19.05	5.500	60	Calculator
Share and Deposit Secured	2.000	$17.51	2.000	60	Calculator
Signature	8.000	$20.19	8.000	60	Calculator
Pay Day- maximum $520.00 loan	18.000	$170.00	18.000	3	Calculator
VISA Classic - Unsecured	12.500	N/A	12.500	n/a	Calculator
VISA Classic - Secured	10.000	N/A	10.000	n/a	Calculator
VISA Gold	10.000	N/A	10.000	n/a	Calculator

* APR is Annual Percentage Rate.
**All applications are subject to qualifying requirements. All rates subject to change. Terms and rates subject to credit score.

FACT Act Notice: We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report.

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First Mortgage Purchase - 5 year***

Rate	Points	APR*
4.50	N/A	4.50

First Mortgage Purchase- 7 year***

Rate	Points	APR*
4.50	N/A	4.50

First Mortgage Purchase - 10 year***

Rate	Points	APR*
4.50	N/A	4.50

First Mortgage Equity - 15 year***

Rate	Points	APR*
4.50	N/A	4.50

First Mortgage Equity - 5 year***

Rate	Points	APR*
4.50	N/A	4.50

First Mortgage Equity - 7 year***

Rate	Points	APR*
4.50	N/A	4.50

First Mortgage Equity - 10 year***

Rate	Points	APR*
4.50	N/A	4.50

First Mortgage Equity - 15 year***

Rate	Points	APR*
4.50	N/A	4.50

Second Mortgage - term up to 5 years***

Rate	Points	APR*
5.75	N/A	5.75

Second Mortgage term up to 7 years***

Rate	Points	APR*
6.00	N/A	6.00

Second Mortgage - term up to 10 years***

Rate	Points	APR*
6.35	N/A	6.35

Second Mortgage - term up to 15 years***

Rate	Points	APR*
6.65	N/A	6.65

* APR is Annual Percentage Rate.
***All applications are subject to qualifying requirements. All rates subject to change. Terms and rates subject to credit score. Southern Credit Union is an Equal Housing Lender. Call or come by to speak with a loan officer for more information.

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Savings	Dividend Rate	APY*	Term
Savings Accounts	0.30	0.300	n/a
Clubs	0.30	0.300	n/a
Checking	0.20	0.200	n/a
IRA (Individual Retirement Account)	1.00	1.005	n/a
Insured Money Market	0.50	0.501	n/a

Dividends are calculated monthly on the average daily balance. Dividends are declared monthly and credited to your account monthly. You must maintain a $5.00 balance in your Savings - Share account to access other credit union services.
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$500.00 Minimum Deposit

Certificates	Dividend Rate	APY*	Term
6 months	.50	.501	6
12 months	.70	0.702	12
18 months	.70	0.702	18
24 months	.80	0.803	24
30 months	0.85	0.853	30
36 months	1.15	1.156	36
48 months	1.15	1.156	48
60 months	1.15	1.156	60

* A.P.Y. is Annual Percentage Yield. Certificate rates change with market rate changes, but once purchased,the rate of a certificate remains the same until maturity. Early withdrawal will result in a penalty being charged.

The new Statutory Share Insurance law provides for an increase in the minimum NCUSIF coverage from $100,000 to $250,000 on member share accounts. This includes all account types, such as regular share, share draft, money market, and certificates of deposits. Individual Retirement Account and Keogh account coverage remains at up to $250,000 separate from other types of accounts owned.