Loan Rates Effective November 9, 2011

New and Used Autos 2010-Current models As Low As 2.29%* for limited time New and Used Motorcycles 2010-Current models As low As 4.99% New and Used Autos and Motorcycles 2007-2009 models As Low As 5.99% New and Used Autos and Motorcycles 2006 and older models As Low As 6.99% *Additional discounts may be available for Auto Loans- Ask a loan officer how! Boats As Low As 4.99% Motor Homes and Campers As Low As 5.25% Jet Skis and ATVs As Low As 8.75% Home Equity As Low As 3.75% for limited time Stock Secured As Low As 8.75% Other Secured As Low As 9.25% Personal Loans As Low As 9.24% MasterCard (currently) As Low As 9.99% Note: Mastercard is 6.74% above Prime Rate effective 15th day of previous 3-month period. 3% above Interest Rates on CD Secured * APR = Annual Percentage Rate All Loan Rates are subject to Change. Membership in Telco Plus Credit Union is required for all credit union services. New money only. Rates apply to qualifying members. Qualifications for loans are based in part on information received from Experian Credit Reporting Service. Rates for loans are based on information received from Experian Credit Reporting Service.   Share Dividend Rates Quarterly Dividends as of dividend declaration date. Posted January 1,2012 Min Bal To Open Min Bal To Earn Dividend Dividend Rate APY* Regular Shares 25.00 100.00 .25% .25% Christmas Club .00 100.00 .25% .25% Vacation Club .00 100.00 .25% .25% Interest Rates Effective as of December 1, 2011 Interest Rate APY* Member Money 2,500.00 2,500.00 .30% .30% 10,000.00 .40% .40% 50,000.00 .50% .50% 100,000.00 .70% .70% IRA Shares 0.00 0.00 .70% .70% Share Drafts 50.00 1,000.00 .10% .10% Plus Checking 50.00 2,000.00 .10% .10% Rewards Plus checking 50.00 up to $20,00 2.25% 2.27% Reward Plus checking 50.00 above $20,000 .70% .70% Rewards Plus checking 50.00 requirements not met .10% .10%   Certificate Rates Effective as of December 9, 2012 Interest Rate APY* 6 month 500.00 500.00 .50% .50% 12 month 500.00 500.00 .65% .65% 18 month 500.00 500.00 .85% .85% 24 month 500.00 500.00 .90% .90% 30 month 500.00 500.00 1.10% 1.11% 60 month 1,000.00 1,000.00 1.25% 1.26% Early withdrawal penalties apply to all Certificates 90-day penalty for 6 to 30-month CD. 180-day penalty for 60-month CD *APY = Annual Percentage Yield. Account fees may reduce earnings on share accounts. All dividends are posted as of the first day of the next dividend period. All interest is posted as of the first day of the following month. Contact Telco Plus Credit Union for current rates and other account fees and restrictions, or click on the Fees Link. All dividend, interest and rates are subject to change. Membership in Telco Plus Credit Union is required for all credit union services.