Our Best Loan Rates Effective June 2002 Rates and terms subject to change without notice on new loans. 100% financing available on new/used vehicles.* PLEASE NOTE: Loan rates shown reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting. Loan Type Term APR New Auto Loans New Cars, Trucks and Vans 36 months 5.90% 48 months 5.90% 66 months 5.90% 72 months1 6.50% 84 months2 7.00% Used Auto & All Other Vehicle/Secured Loans Used Cars, Trucks & Vans New & Used Motorcycles, Boats, Recreational Vehicles, plus Other Secured Loans 36 months 6.25% 48 months 6.25% 66 months 6.25% 72 months1 7.10% 84 months2 7.60% Credit Cards Visa   12.5% Visa Gold   11.5% Premium Platinum Visa   9.5% Consumer Loans Stock Secured Loans   Call for rate Lines of Credit   11.5% Signature Loans   11.5% Any Reason/Any Season 1 yr max 9.5% Computer Loan   6.25% *Maximum terms on vehicles 8 years and older are 100% of NADA loan value and 36 months. (1 & 2) Maximum terms for classic vehicles are 100% of the NADA average value and 48 months. Minimum loan amount for 72 months financing is $25,000; for 84 months is $30,000. Home Equity Rates Rates effective June 17, 2002 Rates and terms subject to change without notice.   Term Rate APR Home Equity Line of Credit (Annual percentage rate may vary; not available in Texas.) 15 year 5.25% Choice Home Equity Fixed Rate Loan Loan Amount Less than 80% of Equity Value 5 year   6.75%   7 year   6.75%   10 year   7.25%   15 year   7.75% Payment example: Assume monthly payments per $1,000.00 borrowed: 60 payments of $19.69; 84 payments of $14.98; 120 payments of $11.75; 180 payments of $9.42. Loan Amount 80% of Equity Value or greater 5 year   8.25%   7 year   8.25%   10 year   8.75%   15 year   9.25% Payment example: Assume monthly payments per $1,000.00 borrowed: 60 payments of $20.40; 84 payments of $15.72; 120 payments of $12.54; 180 payments of $10.30. Maximum 80% of fair market value for Texas. Per NCUA regulations, equity loans over $100,000 require an appraisal performed. Mortgage Rates Rates effective June 12, 2002 Rates and terms subject to change without notice. The Credit Union offers a wide variety of mortgage products. Listed below are two of our most popular loans. Please call (800)325-9905 ext. 754 or 755 for details on how we can meet your mortgage loan needs. Fixed Rate 15 year 6.125% 6.214% 30 year 6.75% 6.808% Adjustable Rate (Index: 1 year CMT 2.32%) 1 year 4.25% 4.990% APR Assumptions: APRs are calculated using loan amount of $150,000; include 15 days accrued interest; assume monthly repayment; maximum loan-to-value of 80%. APRs may vary depending on the borrower's particular set of circumstances. APRs on Adjustable Rate Mortgages (ARM) are subject to increase after consummation. Adjustable Rate Index tied to 1-Year Treasury (CMT) Security. Share Deposit Rates Rates effective June18-June 24, 2002 All accounts insured to $100,000.00   Minimum Balance ADB Required for Interest/ Dividend1 Interest/ Dividend Rate APY Savings Accounts Regular Savings $25 $100 1.80% 1.81% Holiday Savings $ 5 $ 5 1.80% 1.81% Multiple Savings $ 0 $100 1.80% 1.81% Junior Account Savings $25 $ 25 1.80% 1.81% Financial Youth Grp Savings $25 $ 25 1.80% 1.81% Young Adult Financial Grp Savings $25 $ 25 1.80% 1.81% Checking Accounts Basic Checking $ 0 n/a n/a n/a Interest Checking Plus2 $ 0 $ 0 1.05% 1.06% Ultimate Checking Plus3 $ 0 $ 0 1.05% 1.06% Money Market Account Daily Interest Fund4 $2,500 $2,500     ADB: $2,500-9,999     1.88% 1.90% ADB: $10,000-24,999     1.98% 2.00% ADB: $25,000-49,999     2.03% 2.05% ADB: $50,000-above     2.13% 2.15% Certificates of Deposit 6 Month Certificate $1,000 $1,000 2.28% 2.30% 9 Month Certificate $1,000 $1,000 2.28% 2.30% 12 Month Certificate $1,000 $1,000 2.52% 2.55% 18 Month Certificate $1,000 $1,000 2.62% 2.65% 24 Month Certificate $1,000 $1,000 3.16% 3.21% 30 Month Certificate $1,000 $1,000 3.50% 3.56% 36 Month Certificate $1,000 $1,000 3.79% 3.86% 48 Month Certificate $1,000 $1,000 4.41% 4.50% 60 Month Certificate $1,000 $1,000 5.13% 5.25% Silver Eagle Accounts Silver Eagles Checking $ 0 $ 0 1.05% 1.06% 6 Month Certificate $1,000 $1,000 2.43% 2.46% 9 Month Certificate $1,000 $1,000 2.43% 2.46% 12 Month Certificate $1,000 $1,000 2.67% 2.70% 18 Month Certificate $1,000 $1,000 2.77% 2.81% 24 Month Certificate $1,000 $1,000 3.31% 3.36% 30 Month Certificate $1,000 $1,000 3.65% 3.71% 36 Month Certificate $1,000 $1,000 3.94% 4.01% 48 Month Certificate $1,000 $1,000 4.56% 4.66% 60 Month Certificate $1,000 $1,000 5.28% 5.41% IRA Accounts - Traditional, Roth and Education6 IRA Accumulation $ 5 $ 5 1.80% 1.81% 6 Month Certificate $1000 $1000 2.43% 2.46% 9 Month Certificate $1000 $1000 2.43% 2.46% 12 Month Certificate $1000 $1000 2.67% 2.70% 18 Month Certificate $1000 $1000 2.77% 2.81% 24 Month Certificate $1000 $1000 3.31% 3.36% 30 Month Certificate $1000 $1000 3.65% 3.71% 36 Month Certificate $1000 $1000 3.94% 4.01% 48 Month Certificate $1000 $1000 4.56% 4.66% 60 Month Certificate $1000 $1000 5.28% 5.41% 1 Interest and dividends are paid and compounded monthly based on the average daily balance on all accounts except the Daily Interest Fund. 2 A $5 fee is assessed if the average daily balance falls below $500. 3 A $5 monthly fee ($4/month for Silver Eagles members). 4 Daily Interest Fund interest is compounded daily and paid monthly. 5 Penalty for early withdrawal from certificates. See "Truth-in-Savings Disclosure" for further information. Minimum balance is $500 for Junior Account Program, Financial Youth Group and Young Adult Financial Group certificates. 6 Penalty for early withdrawal. See "Truth-in-Savings Disclosure" for further information. *APY -- Annual Percentage Yield -- assumes principal and interest/dividends remain on deposit for the entire year. Withdrawals will reduce earnings on the account.