Rates:

Savings Rates:
Savings Range		APY
$25.00 - $100.00		0.10%
$101.00 - $5000.00		0.15%
$5001.00 - $20,000.00		0.25%
$20,001.00 - $40,000.00		0.50%
$40,001.00 & up		0.75%
Christmas Club Savings**		0.25%
** No minimum to open, check mailed on November 1st.

Checking accounts:
Average daily balance over $1,000... 0.05% APY

Money Market Checking:
Balance over $2,500.00.... 1.05% APY

IRA's:
0.75% APR
0.76% APY
We offer Traditional, Education, and Roth IRA's.

Certificate of Deposit (CD):

CD Types and Rates
Term (Mo)	Dividends Paid	APR %	APY %
36	Qtly	2.00	2.01
24	Mo/Qtly	1.70	1.71
18	Mo/Qtly	1.50	1.51
12	Mo/Qtly	1.25	1.26
6	Mo/Qtly	1.00	1.00
3	Qtly	0.75	0.75
Effective 6/15/2010

Loan rates:

RISK-BASED PRICING
Closed-End Loans
Loan Tier		"A+"	"A"	"B"	"C"	"D"	"E"
Credit Score Range		750&up	749-680	679-630	629-600	599-530	529&under
Debt Ratio (GMI)		45%	45%	42%	40%	38%	38%
NEW VEHICLE 2009-2010 (never titled)
Loan Type		"A+"	"A"	"B"	"C"	"D"	"E"
36 months*		4.00%	4.50%	6.00%	8.50%	12.00%	14.00%
48 months		4.50%	5.00%	6.50%	9.00%	12.50%	14.50%
60 months		5.00%	5.50%	7.00%	9.50%	12.75%	14.75%
72 months		6.00%	6.50%	8.00%	10.50%	13.75%	15.75%
84 months		7.00%	7.50%	9.00%	n/a	n/a	n/a
*36 Months or less.
72 month term requires minimum of $20,000.00 and 84 month term requires minimum of $30,000.00
USED VEHICLE 2006-2008
Loan Type		"A+"	"A"	"B"	"C"	"D"	"E"
36 months*		5.50%	6.00%	7.50%	10.00%	13.50%	15.50%
48 months		6.00%	6.50%	8.00%	10.50%	14.00%	16.00%
60 months		6.50%	7.00%	8.50%	11.00%	14.25%	16.25%
72 months		7.50%	8.00%	9.50%	12.00%	15.25%	17.25%
*36 Months or less.
USED VEHICLE 2003-2005
Loan Type		"A+"	"A"	"B"	"C"	"D"	"E"
36 months*		6.50%	7.00%	8.50%	11.00%	14.50%	16.50%
48 months		7.00%	7.50%	9.00%	11.50%	15.00%	17.00%
60 months		7.50%	8.00%	9.50%	12.00%	15.25%	17.25%
*36 Months or less.
USED VEHICLE 2002 & OLDER
Loan Type		"A+"	"A"	"B"	"C"	"D"	"E"
36 months*		7.50%	8.00%	9.50%	12.00%	15.50%	17.50%
48 months		8.00%	8.50%	10.00%	12.50%	16.00%	18.00%
60 months		8.50%	9.00%	10.50%	13.00%	16.25%	18.00%
*36 Months or less.
"CLASSIC VEHICLES" RATE IS 2% LESS THAN ABOVE CATAGORY
All Vehicles with 100,000 or more miles MUST add 1.00% to APR (with a maximum of 18%)
RECREATIONAL VEHICLES NEW & USED
Loan Type		"A+"	"A"	"B"	"C"	"D"	"E"
24 months		6.25%	6.50%	6.75%	8.75%	11.75%	13.75%
48 months		6.75%	7.00%	7.25%	9.25%	12.25%	14.25%
60 months		7.25%	7.50%	7.75%	9.75%	12.75%	14.75%
72 months		7.50%	7.75%	8.00%	10.00%	13.00%	15.00%
84 months**		7.75%	8.00%	8.25%	10.25%	13.25%	15.25%
96 months**		8.00%	8.25%	8.50%	10.50%	13.50%	15.50%
**Motorhomes only.
O/D PROTECTION LOANS
Loan Type		"A+"	"A"	"B"	"C"	"D"	"E"
		16.00%	16.00%	16.00%	18.00%	18.00%	18.00%
Limits		$500	$500	$500	$300	$300	$300
OD Line of Credit-Checking Overdraft Protection
Signature Loans
Loan Type	Max Term	"A+"	"A"	"B"	"C"	"D"	"E"
up to $12,000	60	10.00%
up to $10,000	60		12.00%
up to $8,000	48			14.00%
up to $7,000	48				16.00%
up to $2,000	36					18.00%
up to $1,000	24						18.00%
Share Secured Loans
Loan Type		"A+"	"A"	"B"	"C"	"D"	"E"
		5.00%	5.00%	5.00%	5.00%	5.00%	5.00%
Mortgage Loans
First Mortgage Loans: 80% of the appraised value, in New Mexico, A+ credit.*
Second Mortgage Loans: 90% of appraised value less first mortgage balance, in New Mexico, A+ credit.*
* Please contact a loan officer for current rates.
Credit Grade: Additional Instructions
1. "C" will include members who have no credit history.
2. "D" and "E" will be financed at Trade Value Only and will be required to purchase GAP Protection Insurance.
3. "D" and "E"--Do not include signature loan availability for collateral loans.
Additional Information
1. CD Secured Loans Will Be Set 2.00% Above Dividend Rate for the Term of the CD.
2. Once the CD Matures the Loan Will be Renewed at the New Rate.
3. Rates are subject to change. Contact Credit Union to confirm current rates.
4. All Used Vehicle Values are Based On NADA Guide Value.
5. Comprehensive & Collision Insurance required on all vehicle collateral Loans, under certain circumstances can be waived on vehicles with loan balance under $1,000.00.
6. A Lien in Lieu of RCFCU will be filed on all vehicle/collateral loans.
Effective 6/18/2010