Loan Calculator
Savings Calculator
Mortgage Calculator

NO application fee
NO prepayment penalty
Credit life and accident insurance available at a nominal cost to member

MEMBERS® Auto & Home Owners Insurance
Accident Insurance (AD&D)
Life Insurance

			TIER:		710+	640+	590+	540+	539-
					A	B	C	D	E
NEW VEHICLES:
YEARS:  2011, 2010 & 2009
	UP TO 36 MONTHS:				5.50%	6.25%	8.25%	10.75%	13.75%
	UP TO 60 MONTHS:				5.75%	6.75%	9.00%	12.00%	16.00%
**	UP TO 72 MONTHS:				6.05%	7.05%	9.50%	12.75%	17.00%
	** D & E tiers require Credit Committee approval.
USED VEHICLES:
2  &  3 YRS OLD   (2008/2007)
	UP TO 48 MONTHS:				6.25%	7.25%	9.50%	12.75%	16.75%	max=24%
	UP TO 54 MONTHS:				6.50%	7.50%	10.00%	13.50%	18.25%
4,5 & 6 YRS OLD  (2006/2005/2004)
	UP TO 48 MONTHS:				6.75%	7.75%	10.25%	13.75%	18.50%	max=24%
7 YRS AND OLDER (2003 and older)
	UP TO 36 MONTHS:				8.00%	9.50%	12.00%	15.75%	20.75%	max=24%
NEW MOTORCYCLE, ATV, PWC
	UP TO 36 MONTHS:				8.25%	9.25%	10.75%	12.75%	15.75%
	UP TO 42 MONTHS:				8.50%	9.75%	11.50%	13.75%	17.00%	max=24%
USED MOTORCYCLE, ATV, PWC
	UP TO 30 MONTHS:				9.25%	10.25%	11.75%	13.75%	16.75%
	UP TO 36 MONTHS:				9.50%	10.75%	12.50%	14.75%	18.00%	max=24%
SIGNATURE LOANS
	$1,500	UP TO 12 MONTHS:			6.75%	7.50%	9.75%	12.25%	15.25%
		UP TO 18 MONTHS:			7.25%	8.25%	10.75%	13.75%	17.25%	max=24%
	$2,500	UP TO 18 MONTHS:			8.75%	9.50%	12.00%	15.00%	19.00%
		UP TO 24 MONTHS:			9.25%	10.25%	13.25%	16.75%	21.25%	max=24
	$3,500	UP TO 24 MONTHS:			11.75%	12.50%	16.75%	19.75%	23.50%
		UP TO 36 MONTHS:			12.50%	13.75%	18.75%	22.00%	24.00%	max=24%
OPEN -END LINE OF CREDIT:
	UP TO $ 5,000				13.50%	N/A	N/A	N/A	N/A
	UP TO $ 4,500				13.00%	14.25%	N/A	N/A	N/A
	UP TO $ 3,500				12.50%	13.75%	18.75%	22.00%	24.00%	max=24%

OTHER LOAN INTEREST RATES (NOT TIERED) Frozen Shares
120% Shares Frozen	3.50%	3 Years
120% Shares Frozen	4.50%	5 Years
120% Shares Frozen	6.25%	10 Years
100% Shares Frozen	4.00%	3 Years
100% Shares Frozen	5.00%	5 Years
100% Shares Frozen	6.75%	10 Years
**Share Certificate 1% over Certificate Rate**
Miscellaneous
New RV (camper) 15% down plus tax	8.25%	10 Years
Used RV Up to 5 Yrs Old	10.25%	10 Years
Used RV 6 Yrs & Older	12.25%	10 Years
New Boats 10 % down plus tax	11.00%	6 Years
Used Boats Up to 5 Yrs Old	12.95%	4 Years
Used Boats 6 Yrs & Older	15.95%	4 Years
New Travel Trailer 10% down plus tax	10.25%	6 Years
Used Travel Trailer Up to 5 Yrs Old	11.00%	4 Years
Used Travel Trailer 6 Yrs & Older (pull along, camp in)	14.95%	3 Years
New Conversion Vans 10% down plus tax	7.50%	5 ½ Years
Conversion Vans Up to 3 Yrs Old	10.50%	5 Years
Conversion Vans Up to 5 Yrs Old	11.50%	4 ½ Years
Conversion Vans 6 Yrs & Older	12.50%	3 ½ Years
New Lawn Equipment	10.50%	4 Years
Used Lawn Equipment	12.00%	2 ½ Years
New Tractors 20% down	6.50%	7 Years
Used Tractors	8.90%	5 Years
Horse & Buggy $3000	11.00%	3 Years
Horse & Buggy $5000	12.00%	3 Years
Computer 60 % Hardware no software (other than KMC & Kinetico Computer Loans)	11.00%	3 Years
KMC / Kinetico Computer Loan	7.00%	1 Year
	8.00%	2 Years
Visa Platinum Visa Classic www.ezcardinfo.com	7.75% 11.9%
Home Equity Line of Credit	Prime minus 1/2% *Under no circumstances will the Annual Percentage Rate go below 3.50%. Call for complete details

Effective April 1, 2009	Term	Minimum Deposit	Dividend Rate	APY
Regular Draft (Checking) $500 Average Daily Balance			0.25%	0.25%
Super Draft (Checking) $2500 Average Daily Balance			1.25%	1.26%
Share Savings $150 Average Daily Balance			1.00%	1.01%
IRA Share Accumulation Account No minimum balance to earn interest			1.00%	1.01%
Christmas, Vacation & Back To School Clubs			0.25%	0.25%
IRA Certificates	9 Month	$500.00	1.25%	1.25%
	15 Month	$500.00	1.50%	1.51%
	21 Month	$500.00	1.75%	1.76%
IRA Roth Certificates	12 Month	$1,000.00	1.25%	1.26%
	24 Month	$1,000.00	1.50%	1.51%
	36 Month	$1,000.00	1.75%	1.76%
IRA Education Certificates	12 Month	$500.00	1.25%	1.25%
	24 Month	$500.00	1.50%	1.51%
	36 Month	$500.00	1.75%	1.76%
Special IRA Rate	60 Month**	$2,000.00	3.00%	3.00%
**Interest paid at maturity
Share Certificates	3 Month	$500.00	1.25%	1.26%
	6 Month	$500.00	1.25%	1.25%
	9 Month	$1,000.00	1.40%	1.41%
	12 Month	$1,000.00	1.50%	1.51%
	15 Month	$1,000.00	1.50%	1.51%
	18 Month	$1,000.00	1.75%	1.76%
	23 Month	$1,000.00	1.85%	1.86%
	36 Month	$1,000.00	1.95%	1.97%
Special Share Certificate	60 Month**	$5,000.00	3.00%	3.00%
**Interest paid at maturity

Lost/stolen ATM card:	$10.00
ATM cash withdrawal from share savings	.75 each
First 10 ATM cash withdrawals per month from share draft (checking) Each additional ATM cash withdrawal from share draft (checking)	free .75 each
Daily ATM withdrawal limit	$200.00
ATM deposit to share savings account	.50 each
First 4 ATM deposits to share draft (checking) Each additional ATM deposit to share draft (checking)	free .50 each
Balance inquiry at ATM any account	.50 each
Check Printing fee	Varies depending on style
NSF fee ATM withdrawal or Debit Card purchase	$25.00 per item
NSF fee ACH withdrawal	$25.00 per item
NSF fee Share Draft (Check)	$25.00 per item
Stop Payment (Draft or ACH)	$20.00 per item
Incoming Wire Transfer fee (Domestic or Foreign)	$10.00 per item
Outgoing Wire Transfer fee (Domestic)	$15.00 per item
Outgoing Wire Transfer fee (Foreign)	$30.00 per item
Account Research	$25.00 per hour
Copy of Statement or Printed Balance Inquiry	$ 2.00 each
Copy of Share Draft (check) mailed	$ 2.00 each
Copy of Share Draft (check) faxed	$ 6.00 each
Returned Mail fee	$5.00 per item
Check Cashing fee	$10.00
Fee will be waived if Member has more than $125.00 balance in share account, a loan, share draft account, share certificate, or IRA account.