Rates
Share Accounts
Rates effective as of December 31, 2011

Account Type Rate APY* Minimum Balance
Regular Share (Savings) Account 0.25% 0.25% $50.00
Christmas Club Account
(must have a minimum of $50 to earn interest)
0.25% 0.25% $50.00
* APY = Annual Percentage Yield
Dividends on Shares are calculated daily and paid quarterly.


• • • • •

Individual Retirement Accounts
Rates effective as of January 17, 2012

Account Type Rate APY* Minimum Balance
Individual Retirement Accounts
        • Traditional 0.70% 0.70% $50.00
        • Roth 0.70% 0.70% $50.00
        • Educational 0.70% 0.70% $50.00
* APY = Annual Percentage Yield
Dividends on IRA Shares are calculated daily and paid quarterly.
IRA Dividends are tied to the One Year Certificate of Deposit Rate that is in effect at each Quarter End.



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Certificate Accounts
Rates effective as of January 17, 2012

Account Type Rate APY* Minimum Balance
Certificates of Deposit
        • 6 Months 0.40% 0.40% $500.00
        • 12 Months 0.70% 0.70% $1,000.00
Jumbo Certificates of Deposit
        • 6 Months 0.50% 0.50% $20,000.00
        • 12 Months 0.80% 0.80% $20,000.00

* APY = Annual Percentage Yield
Certificate rates are subject to change. Interest compounds monthly. Call for current rates.
Certificates automatically rollover at whatever the current rate is at maturity. There will be a
ten day grace period during which you may make changes or surrender the certificate
without penalty. You will receive notice prior to maturity.



• • • • •

Share Draft Accounts

Account Type Rate APY* Minimum Balance
Share Draft (Checking) Account 0.00% 0.00% $0.00

* APY = Annual Percentage Yield

• • • • •

State Highway District #5 Credit Union believes that you've earned
and protected your credit so you should reap the rewards with

NO Gimmicks, No Fees, Just GREAT Low Rates!

Did you know that SHD5CU offers Share Secured Loans for 2.20% APR
with a 96 month term?

Car Loan Rates as low as 2.75% APR on a 24 month term?
Or a 60 month term for 3.50% APR?

You work hard for your money and excellent credit, that's why we want to work hard
for your business. Call us today and let us see how we can save you some money with
NO Gimmicks, NO Fees, Just GREAT Low Rates.
(509) 248-5522 or 1-800-831-1494

APR = Annual Percentage Rate. On Approved Credit, some restrictions may apply, rates subject to change.
Consumer Loans
Rates effective as of September 30, 2011

Loan Type Term Financing APR*
New & Used Automobiles 1-7 years 80% as low as 2.75%
  1-6 years 100% as low as 3.25%
Street Motorcycles up to 5 years 80% as low as 6.25%
    100% as low as 7.25%
RVs, Boats, Campers, Trailers 1-5 years 80% as low as 6.25%
    100% as low as 7.25%
  6-15 years 80% as low as 6.75%
    100% as low as 7.75%
New Off-Road Vehicles (ORVs) 3 years 75% as low as 8.75%
    100% as low as 9.75%
Used ORVs 2 years   as low as 9.75%
New & Used Manufactured / Mobile Homes
Some restrictions apply
up to 15 years 80% of appraised or assessed value as low as 9.75%
Signature Loan Over $5,000 4 years   as low as 12.00%
Signature Loan Under $5,000 3 years   as low as 12.00%
Variable Rate Share Secured Loan up to 8 years   2.25%**
Certificate of Deposit Secured Loan due at maturity of CD   ***

* APR = Annual Percentage Rate
** Add 2.00% over the current share rate
*** Add 2.00% over the current CD rate
Rates are subject to change
Some restrictions may apply



• • • • •

Home Equity Loans
Rates effective as of October 17, 2011

Loan Type Term Financing APR*
Home Equity Fixed Rate
(owner occupied)
up to 10 years 80% of appraised or assessed value as low as 5.00%
  10-15 years 80% of appraised or assessed value as low as 5.25%
Home Equity Fixed Rate
(non-owner occupied)
up to 10 years 65% of appraised or assessed value as low as 7.00%
  10-15 years 65% of appraised or assessed value as low as 7.10%
Home Equity Revolving Variable Rate Line of Credit** (owner occupied) 5 year draw,
up to 30 year term
80% of appraised or assessed value 3.25%
Home Equity Revolving Variable Rate Line of Credit** (non-owner occupied) 5 year draw,
up to 30 year term
65% of appraised or assessed value 3.25%

* APR = Annual Percentage Rate
** Rates based on Wall Street Journal prime rate.
Rate is subect to change twice per year, January 1st and July 1st.
There is a five year draw period that may be renewable after the five years.
There is no annual fee. Third party fees are paid by the member.



• • • • •


VISA Card

Account Type APR* Annual Fee
VISA Card 10.50% on purchases, cash advances and balance transfers none

* APR = Annual Percentage Rate
Some restrictions may apply