Welcome to Metro Employees Credit Union!

SHARE SAVINGS/CLUB RATES
ACCOUNT TYPE	APR*	APY**
Shares	0.20%	0.20%
Christmas Club	0.50%	0.50%
Vacation Club	0.25%	0.25%

Dividends rates are as of March 31, 2012. Rates are calculated using the Average Daily Balance Method and will be compounded quarterly for regular share accounts and annually for Christmas and Vacation Club.
*APR - Annual Percentage Rate. **APY - Annual Percentage Yield.

SHARE CERTIFICATE RATES
*Rates are as of February 17, 2012.*
TERM		APR*	APY**
6 Month	Monthly	0.35%	0.35%
1 Year	Monthly	0.55%	0.55%
2 Year	Monthly	0.90%	0.90%
2 Year Jungle Saver*	Monthly	1.40%	1.41%
3 Year	Monthly	1.25%	1.26%
4 Year	Monthly	1.35%	1.36%
5 Year	Monthly	1.65%	1.66%

Rates subject to change. Dividends are computed on the actual dollar amount and are paid monthly. The account earns dividends based on the principal balance. There is a penalty for early withdrawal.
*Jungle Saver Certificate is for youth 17 and under.

*APR - Annual Percentage Rate. **APY - Annual Percentage Yield.

MONEY MARKET RATES*
*Rates are as of February 17, 2012.*
TERM		APR*	APY**
$2,499-$9,999	Monthly	0.15%	0.15%
$10,000-$24,999	Monthly	0.20%	0.20%
$25,000-& Up	Monthly	0.25%	0.25%

*Metro Employees Credit Union is pleased to announce the offering of a new tiered Money Market product. Rates on the Money Market Accounts may change weekly. Dividends are earned daily and posted monthly. The Metro Money Market Account has a minimum balance of $2,500 to earn dividends and a minimum balance of $2,500 to open.

*APR - Annual Percentage Rate. **APY - Annual Percentage Yield.

LOAN RATES
As of April 1, 2012
Home Equity Line of Credit Loans	4.00% APR** - 11.00% APR -Rate is variable and subject to change quarterly.
Closed End Home Equity Loans	4.25% APY - 11.25% APY
Payday Loans	22.00% APR
Credit Builder Loans	3.00% above share rate
Line of Credit Loans/Unsecured Loans	9.00% APR** - 18.50% APR
Overdraft Protection Loans	15.00% APY
VISA Loans	7.9% APR and 12.9% APR
VISA Fees	-Cash Advance 7.9% APR or 12.9% APR -Balance Transfers 7.9% APR or 12.9% APR -Annual Fee: None -Minimum Finance Charge - None -Transaction Fee for Purchases - None -Transaction Fee for Cash Advances - None -Balance Transfer Fee - None -Grace Period for Repayment of balances for purchases:25 Days -Late Payment Fee: $25.00 -Documentation Fee: $10.00 -NSF Check Fee: $20.00 -New/Replacement Card Fee: $10.00 -Card Recovery Fee - $65.00
Share Secured Loan	3% above share rate
Certificate Secured Loan	3% above CD rate
Autos (5 years & newer) 100% Financing on New and Used	3.49%-14.99% APR
Trucks, Vans, & SUVs (5 years & newer)	3.49%-14.99% APR
Motorcycles, Boats, Motor Homes, Travel Trailers, RV's, Campers, Autos, and Trucks 6 years to 10 years Old (84 month financing available - 2% above Vehicle Loan Rate) 100% Financing on New & 80% Financing on Used	1% Above Vehicle Loan Rate
Other Collateral Musical Instruments (new), Computers (new), Appliances (new), Farm Machinery, Untitled Vehicles, ATV's, Classic Automobiles and Trucks 100% Financing on New & 80% Financing on Used	2% Above Vehicle Loan Rate

Rates for unsecured and auto loans based on term and credit score.
*APR - Annual Percentage Rate. **APY - Annual Percentage Yield.