Rates - E53 Federal Credit Union

RATES EFFECTIVE July 1, 2010

Savings Products
	Div Rate	APY
Regular Share (Savings)	0.50%	0.5011%
Share Draft Checking (Checking)	0.25%	0.2503%
IRA	.75%	.752%
IRA SHARE CERTIFICATE (CD) 6 MONTH	.80%	.803%
IRA SHARE CERTIFICATE (CD) 12 MONTH	1.05%	1.055%
IRA SHARE CERTIFICATE (CD) 18 MONTH	1.25%	1.257%
IRA SHARE CERTIFICATE (CD) 24 MONTH	1.45%	1.459%
Holiday Club Account	1.00%	1.004%
Vacation Club Account	1.00%	1.004%
3 Month Certificate (CD)	.55%	.551%
6 Month Certificate	.65%	.652%
12 Month Certificate	.95%	.954%
18 Month Certificate	1.15%	1.156%
24 Month Certificate	1.35%	1.358%

Loan Products
	TERM	APR*
Thrift E53 VISA Credit Card		9.90%
Bonus Point E53 VISA Credit Card		14.28%
Shared Secured Loan	to 4 years	4.25%
Stock Secured Loan	to 4 years	5.50%
Signature Loan	to 4 years	9.50% - 10.00%**
Vacation Loan	to 1 year	9.09%**
Educational Loan (payable to school only)	Maximum $20,000
1st Mortgages, Home Equity Loans & HELOCs	Call 1-800-880-0764
* 1st Mortgage, Home Equity and 2nd Mortgage offering new expanded options and programs.
New Auto	up to 4 years	3.99%**
New Auto	5 or 6 years	4.49%**
Used Auto	up to 4 years	3.99%**
Used Auto	5 years	4.49%**

(*Autos CANNOT exceed NADA value)

*APR Annual Percentage Rate

**Auto Loans NOW INCLUDE tax, registration, or other fees**

**Rates per payroll deduction & direct deposit reflect .25% discount.

RATES SUBJECT TO CHANGE AT ANYTIME.

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Schedule of FEES (Effective 6/1/09)

Copies from Microfilm if available $25.00

Deposit Breakdown $10.00

Deposited Item Returned $25.00

Early withdrawal from scheduled club accounts $25.00

Foreign Collection Item $5.00

Non-Sufficient Funds $25.00

Original Item Request $10.00

Uncollected Funds/Overdraft Fee* $25.00

Overdraft Transfer* $4.00

Physical Draft Copies $5.00

Redposited Item Returned $10.00

Returned Items $25.00

Return Item Cashiering $25.00

Stop Payment Fee* $20.00

Statement Copy Fee $5.00

ATM and Debit Card Services

ATM Withdrawal/Transfer Fee $0.75 in excess of eight (8) per month

Reissue Debit Card $5

EFT Services

Incoming Domestic Wire No Charge

Outgoing Domestic Wire $20.00

Incoming International Wire No Charge

Outgoing International Wire $40.00

International Wire Cancellation Fee $60.00

Western Union Domestic $20.00

Western Union International - Automatic

0.00-500.00 $30.00

500.01-1000.00 $35.00

1000.01 - 2000.00 $40.00

2000.01-5000.00 $45.00

5000.01 - 10000.00 $60.00

Western Union International - Manual

0.00 - 500.00 $35.00

500.01 - 1000.00 $40.00

1000.01 - 2000.00 $45.00

2000.01 - 5000.00 &nbselvetica, sans-serif">Amex Travelers Cheques Cost

Amex Gift Checks Cost

Cashier's Check $8.00

Escheatment Processing Fee $25.00

Inactive Account Fee* $5.00 per month

Legal Process $30.00

Levy/Collection Item $25.00

Money Orders $1.50

Notary Service No Charge

Research Per Hour $25.00

Visa Gift Card $3.95

Fees subject to change

*Limitations Reserved By E53 Federal Credit Union

¹Includes but is not limited to Share Drafts, ACH and ATM withdrawals

²Maximum of 6 debits per month from a share or money market account

Debits exceeding 6 will be charged a fee equal to the current Non-sufficient Funds fee

Repeated excess transfers will result in loss of overdraft privileges

³Includes but not limited to Share Drafts and Certified Bank Checks

Special processing fee on Money Orders and Cashier's Checks apply

⁴Charges begin after 12 consecutive months of inactivity

Truth in Savings Account Disclosure

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - NCUA National Credit Union Administration, a U.S. Government Agency