Rates

Grand Rapids (Main Office)
3767 Sparks Dr.
Grand Rapids, MI 49546
Phone: (616) 942-9630
Toll Free:
(800) 328-4131
Fax: (616) 942-9363
Hours: Monday � Friday 9:00am � 5:00pm

Caledonia
9175 Cherry Valley Suite 11
Caledonia, MI 49316
Phone: (616) 588-6868
Fax: (616) 891-2699
Hours:
Monday - Wednesday 10:00am � 5:00pm,
Thursday - Friday 10:00am � 6:00pm,
Saturday 9:00am � 12:00pm

Hastings
329 N. Michigan Ave.
Hastings, MI 49058
Phone: (269) 945-9754
Fax: (269) 945-3342
Hours: Monday � Friday 9:00am � 5:00pm

Kalamazoo
4245 S. Westnedge
Kalamazoo, MI 49008
Phone: (269) 382-1880
Fax: (269) 382-3601
Hours: Monday � Friday 9:00am � 5:00pm

Ludington
266 N. Jebavy Dr.
Ludington, MI 49431
Phone: (231) 843-3464
Fax: (231) 843-4294
Hours: Monday � Friday 9:00am � 5:00pm

Rates

Loans | Mortgage | Savings

Rates are effective as of 7/01/08 and are subject to change without notice. These are the lowest annual percentage rates available. Your APR may be higher depending on your credit history.

Loans	Rate	APR*	Term
Fixed Rate Equity Loan - 20 year term with 5 year balloon - $5,000 & up	5.50	5.50	60	Calculator
*Home Equity Prime Line - 20 year term/10 year draw - 100% LTV	5.00	5.00	n/a	Calculator
Titled Vehicle: up to 36 months as low as	5.00	5.00	n/a	Calculator
Titled Vehicle: 37 to 48 months as low as	5.00	5.00	n/a	Calculator
Titled Vehicle: 49 to 60 months as low as	5.00	5.00	n/a	Calculator
Titled Vehicle: 61 to 72 months as low as	5.50	5.50	n/a	Calculator
Titled Vehicle: 73 to 180 months as low as	6.00	6.00	n/a	Calculator
Vehicle Floor Rate	5.00	5.00	n/a	Calculator
*Signature Loans: up to 36 months as low as	8.00	8.00	n/a	Calculator
*Signature Loans: 37 to 60 months as low as	8.50	8.50	n/a	Calculator
*VISA Classic Credit Card	12.70	12.70	n/a	Calculator
*VISA Grand Credit Card	9.30	9.30	n/a	Calculator
*VISA Platinum Preferred Credit Card	9.30	9.30	n/a	Calculator

For current mortgage and construction loan rates, contact our mortgage department at 1-616-942-9630 ext 116

* Do not qualify for member discount programs

Rate	Points	APR*
call	call	call

Rate	Points	APR*
call	call	call

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All savings accounts are insured up to $100,000 by the National Credit Union Administration and back by the full faith and credit of the United States Government.

Savings	Dividend Rate	APY*	Term
Share Savings Account	0.50	0.50	n/a
Vacation Club	0.50	0.50	n/a
Christmas Club	1.25	1.26	n/a
Super Simple Account	.75	.75	n/a
High Yield 90 Day	2.25	2.25	3
2 1/2 Year	3.15	3.15	30
Variable IRA - less than $500	.85	.85	n/a
Variable IRA - more than $500	1.85	1.87	n/a
Fixed IRA - more than $500	1.85	1.86	n/a
6 Month Grand Deposit Account	1.95	1.97	6
6 Month Grand Deposit Account-$10,000 or more**	2.45	2.48	6
9 Month Grand Deposit Account	2.20	2.22	9
9 Month Grand Deposit Account-$10,000 or more**	2.70	2.73	9
12 Month Grand Deposit Account	2.45	2.48	12
12 Month Grand Deposit Account-$10,000 or more**	2.95	2.99	12

*APY = Annual Percentage Yield
** An active share draft account or $500 pledge in share savings is required to receive rate .
$100 minimum balance required to earn dividends on savings accounts except for youth accounts.
Rates are subject to change without notice.
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