Rates

Loans | Mortgage | Savings | Certificates

LOAN RATES
Effective: June 30, 2008
Submit proof of income(s) with your application.

During our Loan Roundup, you can save on your next AVAHFCU loan with our Member Reward$ Program.**

Regular Loan Rates:	Rate	APR*	Term
New Autos	7.25	7.25	60	Calculator
New Autos (72-month term when financing at least $25,000)	7.50	7.50	72	Calculator
Used Autos - Up to 48 Months (term varies by model year)	7.25	7.25	n/a	Calculator
Older Model Autos - Up to 42 Months (term varies with amount financed)	8.75	8.75	n/a	Calculator
New Motorcycles	8.25	8.25	72	Calculator
Used Motorcycles	8.25	8.25	48	Calculator
New Boats	8.25	8.25	96	Calculator
Used Boats	8.25	8.25	72	Calculator
New Motor Homes / RV's	8.25	8.25	120	Calculator
Used Motor Homes / RV's	8.25	8.25	96	Calculator
Signature Loans	12.00	12.00	36	Calculator
VISA Credit Cards	9.90	9.90	n/a	Calculator
Acreage	9.25	9.25	120	Calculator
Share Secured (3% above Regular Shares Dividend Rate)			120	Calculator
Certificate Secured (Rate on your Certificate plus 2%)			120	Calculator

**Member Reward$ Program gives discounts on some loan rates based on the products and services used by AVAHFCU members. Mortgage loans, VISA credit cards and share secured loans are not eligible for Member Reward$ discounts. Certain restrictions apply. Call the loan office for more information.

*APR = Annual Percentage Rate
Loans are subject to credit approval. Term may vary depending on model year of colleteral.
Rates quoted are subject to change without notice.
Call the credit union for more information.
(706) 855-2224

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MORTGAGE RATES:
Effective: June 30, 2008

7-Year First Mortgage (1.00% Origination Fee)

Rate	Points	APR*
6.25	None	6.25

15-Year First Mortgage (1.00% Origination Fee)

Rate	Points	APR*
6.50	None	6.50

Home Equity Line of Credit (Call for current rate) Credit Union pays closing costs on most HELOC's

Rate	Points	APR*
Call for current HELOC rates:

*APR = Annual Percentage Rate
Loans are subject to credit approval.
Rates quoted are subject to change without notice.
Call the credit union for more information regarding Real Estate Loans.
(706) 855-2224

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SAVINGS RATES:
Effective: June 30, 2008

Savings	Minimum Balance	Dividend Rate	APY*	Term
Share Account	5.00	1.25	1.26	n/a
Christmas Clubs	5.00	1.25	1.26	n/a
IRA Share Account	25.00	2.00	2.02	n/a
Share Draft Checking	None	0.50	0.50	n/a

*APY = Annual Percentage Yield
Rates quoted are subject to change without notice.
Dividends are paid quarterly and are based on average daily balances.
A Regular Share balance of $5.00 is required to maintain membership in the Credit Union.
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SHARE CERTIFICATES OF DEPOSIT
Effective: March 28, 2008

Certificates	Minimum Deposit	Dividend Rate	APY*	Term
6 Months	500.00	3.00	3.03	6 m
12 Months	500.00	3.25	3.29	12 m
24 Months	500.00	3.25	3.29	24 m
IRA Certificate (1 Year)	500.00	3.50	3.55	12 m
IRA Certificate (2 Year)	500.00	3.50	3.55	24 m

*APY = Annual Percentage Yield
Dividends are credited and compounded quarterly.
Rates quoted are subject to change without notice.
An early withdrawal penalty applies to Share Certificates of Deposit.
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