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Current Rates

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Rates Effective as of April 21, 2008

Savings Accounts¹

Product	Annual Percentage Yield	Minimum Balance
Savings ($0.00 membership fee)	.50%	$25
Super Share²	.55%	$2,000
IRA
Up to $4,999	0.60%	$1
$5,000 to $24,999	1.00%
$25,000 to $49,999	1.50%
$50,000 to $74,999	1.75%
$75,000 to $99,999	2.25%
$100,000 & above	2.75%
Health Savings Accounts (HSA)
Up to $500	0.50%	$1
$501 to $2,500	1.75%
$2,501 to $10,000	2.25%
$10,001 and above	2.75%
Emergency Savings Account
Up to $500	0.50%	$1
$501 to $2,500	1.75%
$2,501 to $10,000	2.25%
$10,001 and above	2.75%
Money Market Account²	.65%	$5,000
Preferred Money Market²
Up to $4,999	0.50%	$25,000
$5,000 to $24,999	1.00%
$25,000 to $49,999	1.50%
$50,000 to $74,999	1.75%
$75,000 to $99,999	2.25%
$100,000 & above	2.75%
Premier Checking	.70%	$10,000

1.Rates are subject to change without notice
2.Maximum of 3 withdrawals per month.

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Certificates of Deposit

Product³	Annual Percentage Yield	Minimum Balance
6 months	2.36%	$500
7 months – SPECIAL RATE⁴	2.54%	$1,500
12 months	2.24%	$500
18 months	2.36%	$500
24 months	2.46%	$500
36 months	2.80%	$500
40 months – SPECIAL RATE⁴	3.17%	$2,500
48 months	3.09%	$500
60 months	3.33%	$500

3. All of the above certificates are available as IRA Certificates or Monty Moose Accounts with a minimum deposit of $500 and $250. There is a penalty for early withdrawals and rates are subject to change without notice.

4. Relationship rate pricing requires UCU checking account with�direct deposit and automatic payments from your UCU checking account�on any UCU loans you may have. Minimum balance for the�7 month CD is $1,500 and minimum balance for the 40 month CD is $2,500.

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Consumer Loans

Loan Type	Annual Percentage Rate* (APR)	Monthly Principal and Interest Payment per $1,000	Amount Financed	Maximum Terms in Months
New Automobile	4.74%	$29.85	Maximum 110% of MSRP	36
New Automobile	6.24%	$16.69	Maximum 110% of MSRP	72
Used Automobile (1 to 5 yrs old)	5.74%	$30.30	Maximum 110% of NADA Retail Value including all options	36
Used Automobile (1 to 5 yrs old)	6.74%	$16.92	Maximum 110% of NADA Retail Value including all options	72
Used Automobile (6 to 10 years old)	7.24%	$30.99	Maximum 110% of NADA Retail Value including all options	36
Used Automobile (6 to 10 years old)	8.74%	$20.63	Maximum 110% of NADA Retail Value including all options	60
New Personal Recreational Vehicles Motorcycles, ATVs, Snowmobiles, Personal Watercrafts	6.74%	$19.68	110% of NADA Retail Value* or purchase price, whichever is lower *An appraisal may be substituted for NADA value.	60
Personal Recreational Vehicles Motorcycles, ATVs, Snowmobiles, Personal Watercraft	7.74% (1-5 years old)	$24.29	110% of NADA retail* or purchase price, whichever is lower *An appraisal may be substituted for NADA value.	48
	8.74% (6-10 years old)	$24.76		48
New Recreational Vehicles Boats, Campers, RVs, Travel Trailers, 5^th Wheels	6.74%	$19.68	110% of NADA retail* or purchase price, whichever is lower *An appraisal may be substituted for NADA value.	60
	7.74% Loan Amounts in Excess of $25,000 only	$10.68		144
Used Recreational Vehicles Boats, Campers, RVs, Travel Trailers, 5^th Wheels	7.74% (1-5 years old)	$20.15	110% of NADA retail* or purchase price, whichever is lower *An appraisal may be substituted for NADA value.	60
	8.74% (6-10 years old)	$20.63		60
	8.74% (1-5 years old) Loan Amounts in Excess of $25,000 only	$11.23		144
	9.74% (6-10 years old) Loan Amounts in Excess of $25,000 only	$11.80		144
Computers (new only)	8.74%	$24.76	100%	48
Shared Secured	3% over dividend rate	-	-	120
Other Secured (new)	9.74%	$21.12	110% NADA loan value, purchase price or appraised value, whichever is lower An appraisal may be substituted for NADA value, and an appraisal is required if over 10 years old except for vehicle.	60
Other Secured (used)	10.74%	$32.62	110% NADA loan value, purchase price or appraised value, whichever is lower An appraisal may be substituted for NADA value, and an appraisal is required if over 10 years old except for vehicle.	36
Education Loan ($7,500 Max)* *Copies of estimates or bills required before scheduling loan.	11.90%	$22.19	Pay Direct to Education Costs	60
Home Improvement Loan ($7,500 Max)* *Copies of estimates or bills required before scheduling loan.	11.90%	$22.19	Pay Direct to Home Improvement Costs	60
Signature ($25,000 Max)	13.90%	$23.22	-	60
Linebacker ($5,000 Max)	14.90%*	-	-	-
Energy Loan ($5,000 Max)	9.90%	$87.87	Pay Direct to Energy Costs	12

ALL STATED RATES, WITH THE EXCEPTION OF LINEBACKER, ARE RELATIONSHIP RATES: Stated rates reflect a discount of 1.00% off your Annual Percentage Rate (APR) for making your payments automatically from your UCU checking account and maintaining direct deposit of your payroll into that account. If you fail to maintain these requirements or your payments fall in arrears over 30 days, your APR may be increased to the non-discounted rate. By accepting the interest rate reduction offered under this agreement, you authorize UCU to deduct the regularly scheduled payment from your UCU checking account on its due date. Copies of estimates or bills required before scheduling loan.
***Relationship Rates. UCU checking account with direct deposit and automatic payment from thereof required. Loans not meeting these requirements will be assessed .50% rate increase for lack of UCU chekcing and automatic payment and an additional .50% rate increase for lack of direct deposit.

APPLY NOW FOR A CONSUMER LOAN

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Closed End Home Equity Loans

Product	Annual Percentage Rate	Amount Financed	Maximum Term in Months
Fixed Rate Home Equity Loans	Rates change daily, please check with UCU for current rates.	80% or 90% of tax evaluation or appraised value, minus the balance of the first mortgage	60, 120 or 180 month terms available

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Open End Home Equity Lines of Credit

Product	Annual Percentage Rate	Line Amount	Amount Financed
Equity Advantage Fixed through 12/31/08	3.99%*	$10,000 minimum to $350,000 maximum loan amount	60% of tax evaluation or appraised value, minus the balance of the first mortgage

* 3.99% APR is fixed until December 31, 2008 and for the remainder of the term the rate is variable, adjusts periodically to the Wall Street Journal Prime Rate -.50% up to + 2.00% not to exceed 18.00% depending on loan-to-value and UCU relationship. Offer for qualifying properties in Maine with a loan-to-value maximum of 60%, $10,000 minimum loan amount required.? As of 3/20/08 WSJ Prime Rate was 5.25% and is subject to change without notice.?

*APR adjusts monthly to Prime less 0.50%. Based upon prime effective on the 25^th day of the month. Must retain savings, checking and direct deposit. Maximum Annual Percentage Rate that can be applied is 18.00%.

Prime Equity & Interest Only Prime Equity
Fixed through 12/31/08

3.99%*

$10,000 minimum to $350,000 maximum loan amount

80% of tax evaluation or appraised value, minus the balance of the first mortgage

* 3.99% APR is fixed until December 31, 2008 and for the remainder of the term the rate is variable, adjusts periodically to the Wall Street Journal Prime Rate -.50% up to + 2.00% not to exceed 18.00% depending on loan-to-value and UCU relationship. Offer for qualifying properties in Maine with a loan-to-value maximum of 80%, $10,000 minimum loan amount required.? As of 3/20/08 WSJ Prime Rate was 5.25% and is subject to change without notice.

*APR adjusts monthly to Prime plus 0.00%. Based upon prime effective on the 25^th day of the month. Must retain savings, checking and direct deposit. Maximum Annual Percentage Rate that can be applied is 18.00%

Home Equity & Interest Only Home Equity – 80% Max LTV

6.50%*

$10,000 minimum to $350,000 maximum loan amount

80% of tax evaluation or appraised value, minus the balance of the first mortgage

*APR adjusts semi-annually to Prime plus 1.50%. Based upon prime effective on 45 day lookback period. Must retain savings, checking and direct deposit. Maximum Annual Percentage Rate that can be applied is 18.00%.

Home Equity & Interest Only Home Equity – 90% Max LTV

7.00%*

$10,000 minimum to $250,000 maximum loan amount

90% of tax evaluation or appraised value, minus the balance of the first mortgage

*APR adjusts semi-annually to Prime plus 2.00%. Based upon prime effective on 45 day lookback period. Must retain savings, checking and direct deposit. Maximum Annual Percentage Rate that can be applied is 18.00%.

Investment Property Secured – Home Equity and Interest Only Home Equity

7.00*

$10,000 minimum to $50,000 maximum loan amount

80% of tax evaluation or appraised value, minus the balance of the first mortgage

*APR adjusts monthly to Prime plus 2.00%. Based upon prime effective on the 25^th day of the month. Must retain savings, checking and direct deposit. Maximum Annual Percentage Rate that can be applied is 18.00%.

APPLY NOW FOR A CONSUMER LOAN

Mortgages

NEW! No Closing Cost Mortgage Program!

Ask a loan officer today for more information.

UCU offers a variety of mortgage products to meet all your home loan needs.

10, 15, 20 & 30 year Fixed Rate Mortgages
3, 5 & 7 year Adjustable Rate Mortgages
Fixed Rate Mobile Home Loans
Land Loans

Click here for daily mortgage rates or call us today!

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