West Metro Schools Credit Union

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Rate Information

APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates

Rates as of 2/10/2010.
Rate Description	Term	Payment Description	APR	APR Type
Auto Loans 2010 or Never Been Titled	3 Years	$29.39 per $1000 borrowed	as low as 3.5%	Fixed
Auto Loans 2010 or Never Been Titled	4 Years	$22.66 per $1000 borrowed	as low as 4.0%	Fixed
Auto Loans 2010 or Never Been Titled	5 Years	$18.72 per $1000 borrowed	as low as 4.5%	Fixed
Auto Loans 2010 or Never Been Titled	6 Years	$16.17 per $1000 borrowed	as low as 5.0%	Fixed
Auto Loans 2008-2009	3 Years	$29.62 per $1000 borrowed	as low as 4.0%	Fixed
Auto Loans 2008-2009	4 Years	$22.89 per $1000 borrowed	as low as 4.5%	Fixed
Auto Loans 2008-2009	5 Years	$18.95per $1000 borrowed	as low as 5.0%	Fixed
Auto Loans 2008-2009	6 Years	$16.42 per $1000 borrowed	as low as 5.5%	Fixed
Auto Loans 2005-2007	3 Years	$30.10 per $1000 borrowed	as low as 5.0%	Fixed
Auto Loans 2005-2007	4 Years	$23.37 per $1000 borrowed	as low as 5.5%	Fixed
Auto Loans 2005-2007	5 Years	$19.43 per $1000 borrowed	as low as 6.0%	Fixed
Auto Loans 2001-2004 (75% of value)	3 Years	$30.33 per $1000 borrowed	as low as 5.5%	Fixed
Auto Loans 2001-2004 (75% of value)	4 Years	$23.60 per $1000 borrowed	as low as 6.0%	Fixed
Auto Loans 2001-2004 (75% of value)	5 Years	$19.67 per $1000 borrowed	as low as 6.5%	Fixed
Auto Loans 2000 & Older (50% of value)	3 Years	$30.81 per $1000 borrowed	as low as 6.5%	Fixed
Boats, ATV's, & Snowmobiles			Add 1% to Auto Rates	Fixed
Classic Cars, RV's, and Large Boats			Call us to get rate	Fixed
Share Secured	up to 48 months		as low as 3% over collateral	Variable
Signature Loan	48 Months up to $10,000	$25.33 per $1000 borrowed	as low as 9.9%	Fixed
Home Improvement	up to $35,000 10 Years	Less than 75% of Equity borrowed	Prime Rate or Minimum plus 1%	Fixed
Home Improvement	up to $35,000 10 Years	Over 75% Equity borrowed	Prime Rate or Minimum plus 2 %	Fixed
Share Draft Line of Credit	This rate is variable		9.9%	Variable
Fixed Rate/Closed End Home Equity	10 Years Under 75% Loan to Value		Prime Rate or Minimum plus 1%	Fixed
Fixed Rate/Closed End Home Equity	10 Years Over 75% Loan to Value		Prime Rate or Minimum plus 2%	Fixed
Variable Rate/Open End Home Equity	15 Years	Less than 75% of Equity borrowed	Prime Rate or Minimum	Variable
Variable Rate/Open End Home Equity	15 Years	Between 75% to 100% of Equity borrowed	Prime Rate or Minimum plus 1%	Variable

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Certificates

Rates as of 2/10/2010.
Rate Description	Term	Dividend Rates	APY
6 months min $500	6 months	1.25%	1.26%
1 year min $1,000	12 months	1.65%	1.66%
2 year min $2,500	24 months	2.00%	2.02%

NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Savings/Shares Rates

Rates as of 2/10/2010.
Rate Description	Term	Dividend Rates	APY
Shares	Interest Pays Quarterly	0.40%	0.40%
Money Market Account, $2,500 to $9,999	Interest Pays Quarterly	0.55%	0.55%
Money Market Accounts $10,000 to $24,999	Interest Pays Quarterly	0.70%	0.70%
Money Market Accounts $25,000 and Over	Interest Pays Quarterly	0.90%	0.90%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

IRAs

Rates as of 2/10/2010.
Rate Description	Term	Dividend Rates	APY
Traditional and Roth IRA $25 to $2,499	1st Quarter of 2010	1.30%	1.30%
Traditional and Roth IRA $2,500 to $9,999	1st Quarter of 2010	1.40%	1.41%
Traditional and Roth IRA $10,000 to $24,999	1st Quarter of 2010	1.50%	1.51%
Traditional and Roth IRA $25,000 AND OVER	1st Quarter of 2010	1.70%	1.71%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

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