Happy Valley Credit Union

Savings (SHARE) and Club Account Rates

Share and Club Dividends for 3rd Quarter 2006:

Share Account (Savings)

1.51% / APY

Share Draft Account (Checking)

.50% / APY

Christmas Club

1.51% / APY

Vacation Club

1.51% / APY

Escrow

.50% / APY

IRA’s

2.02% / APY

APY(Annual Percentage Yield): Rates Subject to change

Certificate and IRA Rates

6 month CD
($1000 minimum)

3.25%/Daily

3.30%/APY

12 month CD
($1000 minimum)

3.50%/Daily

3.56%/APY

18 month CD
($1,000 minimum)

3.52%/Daily

3.58%/APY

24 Month CD
($1000 Minimum)

3.98%/Daily

4.05%/ APY

APY(Annual Percentage Yield): CD Rates subject to change without notice. A penalty will or may be imposed for early withdrawal.

Minimum balance required to open an IRA Account is $1000.00.
A penalty may be imposed for early withdrawal.

CD Rates subject to change without notice.
A penalty will or may be imposed for early withdrawal.

Call 423-542-6078 for current rates.

Real Estate Loan Rates
All rates subject to change without notice. Call 542-6078

Fixed Rate First Mortgages

Fixed Rate 15 years

(LTV up to 80%)

6.50%/APR

Fixed Rate 20 years

(LTV up to 80%)

7.00%/APR

5 year Balloon – Amortized Over 30 years / 5-5-5-5-5-5

Fixed Rate

(LTV up to 80%)

5.50/APR

Home Improvement / Home Equity
All rates subject to change without notice. Call 542-6078

Variable Rate

(LTV up to 80%)

= to Prime

Land Loan

Fixed Rate

15 years

7.50%/APR

Mobile Home & Modular Homes (with Land)

Fixed Rate

15 years

8.00%/APR

New & Used Cars and Trucks

New Cars as Low as 3.90%/ APR

Used Cars as Low as 4.89% / APR

Recreational Vehicles

Recreational Vehicles starting at 7.00% / APR

Personal Loan

Vacation Loans

6.15 % APR 12 months

Signature Loans

Starting at 8.99%/ APR

Ranges are listed for existing rates in each category as of date shown above. Certain qualifications must be met to obtain credit. Call or visit one of our loan officers to find out more about eligibility, costs that can be associated with obtaining credit, daily rates and other loan information.

Certain restrictions apply. Terms subject to change without notice.
Call today @ (423)-542-6078