**SHARE SAVINGS ACCOUNTS**
      $5.00 MINIMUM TO OPEN

**SAVINGS CERTIFICATES**
      $500.00 MINIMUM DEPOSIT

**CLUBS**
      VACATION CLUBS CAN START AND FINISH AT YOUR CONVENIENCE
      CHRISTMAS CLUBS RUN FROM OCTOBER 15TH TO SEPTEMBER 30TH

**IRA SHARE ACCOUNTS AND CERTIFICATE OF DEPOSITS**
      $100.00 MINIMUM TO OPEN IRA SHARE ACCOUNT
      $ 1,000.00 MINIMUM TO OPEN IRA CD
      

**ROTH AND EDUCATION IRA'S**

**SHARE DRAFT CHECKING ACCOUNTS**
      NO MINIMUM BALANCE REQUIREMENT
      NO MONTHLY SERVICE CHARGE
      NO FEE ATM/VISA DEBIT CARD

**PERSONAL LOANS**
      $20,000.00 MAXIMUM

**OVERDRAFT PROTECTION**
      $2,000.00 MAXIMUM

**NEW AUTO LOAN**
      100% FINANCING AVAILABLE

**USED AUTO**
      UP TO 90% OF THE RETAIL VALUE
      AUTOS 1-3 YEARS OLD MAY BE FINANCED 48 MONTHS
      AUTOS 4-5 YEARS OLD MAY BE FINANCED 36 MONTHS
      AUTOS 6-8 YEARS OLD MAY BE FINANCED 24 MONTHS

**SHARE SECURED LOANS**
5% or 2% ABOVE CERTIFICATE RATE

**HOME EQUITY LOANS**
      MAXIMUM LOAN TO 90% OF AVAILABLE EQUITY IN PROPERTY
      MINIMUM AMOUNT $10,000.00
      MAXIMUM AMOUNT $150,000.00
      *****NO INVESTMENT PROPERTIES*****

PLEASE FEEL FREE TO STOP BY THE CREDIT UNION OFFICE IF YOU SHOULD HAVE ANY QUESTIONS