All rates subject to change without notice.

There are no pre-payment penalties for any FirstDay loans.

All rates as of March 8, 2010

Home Equity Loans

Non-Variable Terms as low as 5.49%*APR

*APR=Annual Percentage Rate

Car & Truck Loans

New and used rates are as low as:

0-36 months - 3.99% *APR
37-60 months – 4.49% *APR
61-72 months – 5.49% *APR
73 – 84 months – 7.49% *APR
($25,001 minimum dollar amount in order to extend terms to 72 months.)
($35,001 minimum dollar amount in order to extend terms to 84 months.)
*APR=Annual Percentage Rate

Boat and Motorcycle Loans

Rates as Low as:
0-36 months – 6.09% *APR
37-60 months - 6.59% *APR
61-72 months – 7.59 % *APR
($20,001 minimum dollar amount in order to extend terms to 72 months.)
*APR=Annual Percentage Rate

Motor Home Loans (RV’s)

Rates as low as:
0 - 60 months – 7.49% *APR
61 - 84 months – 7.99% *APR
85 - 120 months – 8.49% *APR
121 – 180 months – 8.99% *APR
*APR=Annual Percentage Rate

Personal Loans

Up to 48 months as low as 9.65%*APR Rates and terms subject to change. Rates subject to borrowers credit rating.Go To Loan Application

 *APR=Annual Percentage Rate.

Other Loans	Rate	APR*	Term
CashBack Rewards Visa (Variable Rate)	as low as	7.99%**	n/a
Reward Points Visa (Non-Variable Rate)	as low as	9.90%	n/a
1st Time Borrower/Student Visa (Non-Variable Rate)		9.99%	n/a
Secured by Non-Interest Bearing -- (Non-Variable)		7.99%	n/a

*APR = Annual Percentage Rate
**Prime +4.74% as published on the first Friday of each month in the Money section of the Wall Street Journal.

Go To Loan Application

MyFirstRewards Checking

Announcing - MyFirstRewards Checking!

• Earn reward rates on balances up to $25,000
• Currently yielding 3.0% APY*
• ATM fee refunds nationwide

*APY=Annual Percentage Yield

All you have to do to get this great rate is:

• Sign up Sign Up for a MyFirstRewards checking account
• Make 10 debit card transactions each month
• Sign up for electronic statements
• Set up 2 direct deposits or automatic payments

Visit our special MyFirstRewards website to learn more and sign up.

Members who do not complete their qualification requirements by the date listed will have those transactions count towards the next months qualification period.

Calendar Table 2010

January	February	March	April	May	June
1/28/2010	2/25/2010	3/30/2010	4/29/2010	5/27/2010	6/29/2010
July	August	September	October	November	December
7/29/2010	8/30/2010	9/29/2010	10/28/2010	11/29/2010	12/30/2010

Checking

Checking	APY*	Min. Balance for Dividend
Checking Plus	0.05%	$100

*APY=Annual Percentage Yield

Savings

All deposits insured up to $500,000 with the first $250,000 covered by the National Credit Union Administration and the remaining $250,000 insured by the American Share Insurance Company. Rates are subject to change without notice.

Savings	APY*
Regular Savings	0.10%
Holiday Club	0.10%

*APY=Annual Percentage Yield

IRA Savings	Balance Range	APY*	Rate
	$0 - $10,000	0.52%	0.52%
	$10,001 - $50,000	0.67%	0.67%
	$50,001 + Up	0.82%	0.82%

*APY=Annual Percentage Yield

Money Market Savings	Balance Range	APY*	Rate
	$0 - $10,000	0.52%	0.52%
	$10,001 - $50,000	0.67%	0.67%
	$50,001 + $100,000	0.82%	0.82%
	$100,001 +	0.97%	0.97%

*APY=Annual Percentage Yield

Certificates of Deposit

Certificates	APY*	Dividend Rate	Term
Golden Apple 6 mo. $500 +	0.75%	0.75%	6
Golden Apple 12 mo. $500 +	1.18%	1.17%	12
Golden Apple 18 mo. $500 +	1.42%	1.41%	18
Golden Apple 24 mo. $500 +	1.67%	1.66%	24
Golden Apple 36 mo. $500 +	2.10%	2.08%	36
Golden Apple 48 mo. $500 +	2.43%	2.41%	48
Golden Apple 60 mo. $500 +	2.87%	2.84%	60

 *APY=Annual Percentage Yield