Rates at E53 Federal Credit Union

RATES IN EFFECT AS OF MAY 1, 2008

Savings Rates
	APY	APR
Regular Share	1.5113%	1.50%
Share Draft Checking	.2503%	.25%
Holiday Club Account	1.6128%	1.60%
Vacation Club Account	1.6128%	1.60%
3 Month Certificate	3.299%	3.25%
6 Month Certificate	3.660%	3.60%
12 Month Certificate	3.815%	3.75%
18 Month Certificate	3.867%	3.80%
24 Month Certificate	3.970%	3.90%

Loan Rates

TERM

APR

Thrift E53 VISA Credit Card

9.90%

Bonus Point E53 VISA Credit Card

14.28%

Share Secured Loan

to 4 years

4.25%

Stock Secured Loan

to 4 years

5.25%

Signature Loan

to 4 years

9.50 - 10.00%**

Educational Loan (payable to school only)

Maximum $10,000

1st Mortgages, Home Equity Loans & HELOCs

Call 1-800-880-0764

New Auto

New Auto

up to 4 years

5.25%**

5 or 6 years

5.75%**

Used Auto

up to 4 years

5.25%**

Used Auto

5 years

5.75%**

*Prime Rate 5.25%
**Rates per payroll deduction & direct deposit reflect 1/2% discount

FEES (As of 10/1/04)

Returned Draft (Due to Overdraft) $20.00
NSF $20.00

Transfer from Savings (On Overdraft)* $4.00

Stop Payment Order (Member Request) $5.00
3 or More Group $10.00

Obtain Microfilm Copy Draft $1.50

Obtain Microfilm (Faxed to Credit Union) $4.00

Physical Draft (Available up to 3 Months) $4.00

Interim Statement and Research (Per hr.)                 $15.00
Return Item Cashiering                                             $25.00
Deposit Item Return                                                 $20.00
Item Sent for Collection                                           $20.00

Certified Drafts                                                          $3.00
Phone Calls for Balance Inquiry                                 $1.00
3rd Party Bank Share Checks                                    $3.00
Account/Mtg. Verification                                         $10.00
Levy/Collection Item                                                $10.00
Return Item 3rd Party                                             $25.00
International Wires                                                 $35.00
Account Wires                                                       $20.00
Inactive Account Fee                                                $5.00
Legal Process (per item)                                        $20.00

*First (3) transfers in one month from savings on overdraft will incur a $4.00 fee. Any transfer from savings on overdraft in excess of the first (3) transfers in the month will incur a $15.00 fee.

Truth in Savings Account Disclosure