Dividends Rates

Rates in effect as of 04/01/2008 and are subject to change. Certificate rates are subject to change weekly.* For current rates visit or call the Credit Union at 656-2409.

Type	Minimum	Dividend Rate	APY**
Regular Shares	$0.01-$2,499.99 $2,500.00-$24,999.99 $25,000.00-$49,999.99 $50,000.00-$99,999.99 $100,000. +	0.15% 0.25% 0.40% 0.55% 0.75%	0.15% 0.25% 0.40% 0.55% 0.75%
Premium Shares	$0.01-$999.99 $1,000.-$19,999.99 $20,000.00-$99,999.99 $100,000.00 +	0.30% 0.50% 1.50% 2.25%	0.30% 0.50% 1.51% 2.27%
Christmas Club	$25	0.15%	0.15%
Savings Builder Shares	$100.00	2.50%	2.53%
Checking
Free Checking	N/A	0.00%	0.00%
Classic Checking	Avg. Daily Balance $1,000.00	0.30%	0.30%
	Avg. Daily Balance $2,000.00	0.50%	0.50%
Premium Checking	Daily Balance $0- $1,999.99	0.30%	0.10%
	Daily Balance $2,000 - $99,999.99 Daily Balance $20,000 - $99,999. Daily Balance $100,000. +	0.50%                1.25%                     1.50%	0.50% 1.26% 1.51%
Senior Checking	Avg. Daily Balance $2,000	0.50%	0.50%
Individual Retirement Account (IRA) and Roth IRA	$.01-$2,499.99  $2,500.00-$24,999.99 $25,000.00-$49,999.99    $50,000.00-$99,999.99 $100,0000. +	0.75% 1.25% 1.50% 2.00% 2.50%	0.75% 1.26% 1.51% 2.02% 2.53%
Certificates, Individual Retirement Account Share Certificates, and Roth IRA Certificates
6 month	$2,500	1.00%	1.00%
	$10,000	1.20%	1.21%
	$25,000	1.35%	1.36%
	$50,000	1.75%	1.76%
	$75,000	2.20%	2.22%
1 year	$2,500	0.90%	0.90%
	$10,000	1.15%	1.16%
	$25,000	1.30%	1.31%
	$50,000	1.60%	1.61%
	$75,000	2.10%	2.12%
18 month	$2,500	0.70%	0.70%
	$10,000	1.10%	1.11%
	$25,000	1.25%	1.26%
	$50,000	1.50%	1.51%
	$75,000	2.00%	2.02%
24 month	$2,500	0.50%	0.50%
	$10,000	0.90%	0.90%
	$25,000	1.00%	1.00%
	$50,000	1.10%	1.11%
	$75,000	1.90%	1.92%
Money Market Savings	$.01-$999.99 $1,000.-$19,999.99 $20,000.-$49,999.99 $50,000.-$99,999.99 $100,000 & Up	0.35% 0.65% 1.25% 1.50% 2.00%	0.35% 0.65% 1.26% 1.51% 2.02%
HILLTOP CERTIFICATE	7 months $1000 min.	2.50	2.53

*Certificate dividends are compounded monthly. A penalty will be imposed for early withdrawal. Certificate rates change weekly. See your Credit Union for more details.
Non-Certificate dividends accrue daily and are paid monthly, the rate may change after the account is opened. Fees or other conditions may reduce the earnings on the account.

**APY = Annual Percentage Yield

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Loan Rates

Rates listed are effective as of 01/09/2008. For up-to-the-minute rates,
visit or call Summit CU at 656-2409. Approximate

Type	Approximate Term	Daily Periodic Rate	APR*
Autos: New/Used
	0 - 84 mos.	As low as .013014% to .049315%	As low as 4.75% to 18.000%
REC / Motor Homes, Camper, Travel trailers & Boats
	0 - 84 mos.	As low as .013014% to .049315%	As low as 4.75% to 18.000%
REC / Cycles, ATV, Snow Machines & Water Craft
	0 - 84 mos.	As low as .013014% to .049315%	As low as 7.75% to 18.000%
Personal
	0 - 60 Months	As low as  .018494% to .049315%	as low as 6.75% to 18.000%
Share Secured
	0 - 72 Months	.012329%	4.50%
Other Secured
	0 - 60 Months	As low as .026713% to .049315%	As low as 9.75% to 18.00%

 

Type	Approximate Term	Daily Periodic Rate	APR*
Home Equity Line of Credit  (variable rate)
	144 mos.	As low as .022261% to .019178%	7.000% to 15.00%**
Home Equity Line of Credit - Prime  (variable rate)
	180 mos.	As low as .019863% to .049315%	7.250% to 18.00%
Home Equity Second Mortgage  (fixed rates)
	0-60 mos.   61-120 mos. 121-180 mos.	.012329-.036987 015069- .039726 .017809-.042466	As Low As: 4.50% to 13.50% 5.50% - 14.50% 6.50% - 15.50%
Mobile Homes
New                    Used	180 mos. 180 mos.	As low as .021918% to .032192%	8.00 % to    11.75 %
Share Certificate Secured
			Rate + 2.00 %
VISA
			12.00%
Shared Draft Overdraft Protection
		.043836%	16.00%
Vacant Land
	120 mos.		12.00%

Loan/Savings Calculator
Loan Application Form

*APR = Annual Percentage Rate
**call the Credit Union for other terms and rate