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. • • • • • 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