Mil-Way Federal Credit Union

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Rates

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Regular Savings Accounts (effective 01/03/12) Mil-Way FCU Regular Savings Accounts** are available.
Type	Dividend Rate	APY*
Regular Savings Accounts ($0.00 to $199.99)	0.00%	0.00%
Regular Savings Accounts ($200.00 to $999.99)	0.15%	0.15%
Regular Savings Accounts ($1,000.00 & Above)	0.20%	0.20%

Special Savings Accounts (effective 11/01/11) Mil-Way FCU Special Savings Accounts** are available.
Type	Dividend Rate	APY*
Special Savings Accounts ($0.00 to $199.99)	0.00%	0.00%
Special Savings Accounts ($200.00 to $999.99)	0.15%	0.15%
Special Savings Accounts ($1,000.00 to $ 4,999.99)	0.20%	0.20%
Special Savings Accounts ($5,000.00 & Above)	0.549%	0.55%

1IRA Accounts (effective 11/01/11) Mil-Way FCU IRA Accounts** are available.
Type	Dividend Rate	APY*
IRA Accounts ($0.00 to $199.99)	0.00%	0.00%
IRA Accounts ($200.00 to $999.99)	0.15%	0.15%
IRA Accounts ($1,000.00 to $ 4,999.99)	0.20%	0.20%
IRA Accounts ($5,000.00 & Above)	0.549%	0.55%
The Account will continue to earn interest daily and pay quarterly. Withdrawals are without penalty providing the account is not closed. APY = Annual Percentages Yield balances exceeding $5,000. *Penalties for early withdrawal will apply.
Share Draft Rates (effective 11/01/11) Compounded Monthly
Type	Monthly Dividend Rate	APY*
Share Draft ($500.00 & Above)	0.15	0.15%

Share Certificate Rates (effective 11/01/11) $2500 Minimum Deposit Compounded Monthly
Type	Term	Monthly Dividend Rate	APY*
Share Certificate	6 Months	0.698%	0.70%
Share Certificate	12 Months	0.797%	0.80%
Share Certificate	18 Months	1.14%	1.15%
Share Certificate	24 Months	1.29%	1.30%
APY = Annual Percentages Yield *Early withdrawal penalties apply to Share Certificates. Minimum deposit of $2500 required for Share Certificates. Any fee could reduce the earnings on the account.

Loan Rates (effective 11/01/11)
Type	Term	APR*
Personal	Up to 36 Months	11.30%
Personal	Term ($ 5,000 Max)	12.80%

Type	Term	APR*
Share Secured	Up to 60 Months	2.75%
Share Secured	Term (1 Year)	2.75%
CD Secured (2% over APY)	Balloons with CD	2% over APY

Type	Term	APR*
New Vehicles	Up to 48 Months	2.99%
New Vehicles	Up to 75 Months	3.29%
Used Vehicles: 2012-2008	Up to 48 Months	2.99%
Used Vehicles: 2012-2008	Up to 75 Months	3.29%
Used 2007 and older	Up to 66 Months	4.29%

Type	Term	APR*
New Boats	Up to 48 Months	5.74%
New Boats	Up to 75 Months	6.24%
Used Boats: 2012-2008	Up to 75 Months	6.24%
Used Boats: 2007 & Older	Up to 66 Months	7.24%

Type	Term	APR*
New Jet Ski	Up to 60 Months	7.74%
Used Jet Ski	Up to 36 Months	7.74%

Type	Term	APR*
New Travel Trailers	Up to 48 Months	5.74%
New Travel Trailers	Up to 78 Months	6.24%
Used Travel Trailers: 2012-2007	Up to 75 Months	6.24%
Used Travel Trailers: 2012-2007	Up to 66 Months	7.24%

Type	Term	APR*
New Motor Homes	Up to 75 Months	5.74%
New Motor Homes	Up to 120 Months	6.74%
New Motor Homes	Up to 144 Months	7.74%
Used Motor Homes: 2012-2007	Up to 120 Months	6.74%
Used Motor Homes: 2007 & Older	Up to 75 Months	7.74%

Type	Term	APR*
New 4 Wheelers	Up to 66 Months	6.24%
Used 4 Wheelers	Up to 36 Months	6.24%

Type	Term	APR*
New Farm Equip	Up to 48 Months	5.74%
New Farm Equip	Up to 75 Months	6.24%
Used Farm Equip	Up to 66 Months	6.24%

Type	Term	APR*
New Furniture, Computers, Flat Screen TVs	Up to 36 Months	9.38%

Type	Term	APR*
New Motorcycles	Up to 48 Months	5.74%
New Motorcycles	Up to 75 Months	6.24%
Used Motorcycles: 2012-2008	Up to 75 Months	6.24%
Used Motorcycles: 2007 & older	Up to 54 Months	7.24%

Type	Term
Property & Mortgage Loans	Call a Loan Officer for details!
	Texarkana, AR: 870-772-0661
	Texarkana, TX: 903-832-2004
	Ashdown, AR: 870-898-3742


	INSTRUCTIONS This addendum is incorporated into and becomes a part of your LOANLINER@ Credit Agreement. Please keep this attached to your LOANLINER@ Credit Agreement. The ANNUAL PERCENTAGE RATES, corresponding daily periodic rates and amount and due date of payments for each loan subaccount are shown to the left. If there is no payment schedule, the amount and due date of payments will be determined at the time of each advance and disclosed on the Advance Request Voucher. Other charges that may be imposed are also shown below (i.e. late charges, filing fees, collection costs). *Annual Percentage Rates (APR) are based on credit scores. Your loan rate may vary. Rates are subject to change daily. Filing Fees : You will be charged a UCC 1 lien filing fee at the time of an advance if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of the fee required by state law for the credit union to obtain a lien on your property. The amount of the filing fee will be disclosed on the voucher. UCC1 FEES: Arkansas-$16.50 Texas-$30.50 Collection Costs: You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees. Late Fees: Any loan payment not paid within ten (10) days of its due date shall be subject to a late charge of 3% of the payment amount or $25 whichever is less. If you do not make payments as scheduled, we may also require you to pay other charges and fees involved in collecting your loan. Membership Fees: A $5.00 membership fee and a $5.00 deposit into a Share Savings Account establishes membership in Mil-Way Federal Credit Union.

	This addendum is incorporated into and becomes a part of your LOANLINER@ Credit Agreement. Please keep this attached to your LOANLINER@ Credit Agreement. Disclosure

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