Member Owned ~ Arcadia Credit Union ~ Arcadia, Wisconsin

	Term	Payment per $1000 borrowed	APR*	APR Type

2010 & Newer Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers	2 Years	$42.98 Monthly	2.99%	Fixed

2010 & Newer Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers	3 Years	$29.30 Monthly	3.49%	Fixed

2010 & Newer Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers	4 Years	$22.58 Monthly	3.99%	Fixed

2010 & Newer Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers	5 Years	$18.64 Monthly	4.49%	Fixed

2010 & Newer Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers	6 Years	$16.33 Monthly	5.49%	Fixed

2011 & 2012 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers	7 Years	$14.85 Monthly	6.49%	Fixed

2005 - 2009 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers	2 Years	$43.42 Monthly	3.99%	Fixed

2005 - 2009 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers	3 Years	$29.86 Monthly	4.74%	Fixed

2005 - 2009 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers	4 Years	$23.03 Monthly	4.99%	Fixed

2005 - 2009 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers	5 Years	$18.98 Monthly	5.24%	Fixed

2005 - 2009 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers	6 Years	$16.69 Monthly	6.24%	Fixed

2001 - 2004 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers	2 Years	$44.32 Monthly	5.99%	Fixed

2001 - 2004 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers	3 Years	$30.65 Monthly	6.49%	Fixed

2001 - 2004 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers	4 Years	$23.83 Monthly	6.74%	Fixed

2001 - 2004 Autos, Boats, RVs, Cycles, ATV's, Snowmobiles, Campers	5 Years	$19.80 Monthly	6.99%	Fixed

2000 & Older Autos, Boats, RVs, Campers, Cycles, ATV's, Snowmobiles	2 Years	$45.22 Monthly	7.99%	Fixed

2000 & Older Autos, Boats, RVs, Campers, Cycles, ATV's, Snowmobiles	3 Years	$31.79 Monthly	8.99%	Fixed

2000 & Older Autos, Boats, RVs, Campers, Cycles, ATV's, Snowmobiles	4 Years	$25.36 Monthly	9.99%	Fixed

Secured Loans over $1,000	2 Years	$48.01 Monthly	13.98%	Fixed

Secured Loans over $1,000	3 Years	$34.18 Monthly	13.98%	Fixed

Secured Loans over $1,000	4 Years	$27.83 Monthly	14.98%	Fixed

Loans under $1,000	2 Years	$49.41 Monthly	16.90%	Fixed

Loans under $1,000	3 Years	$35.61 Monthly	16.90%	Fixed

Loans under $1,000	4 Years	$28.81 Monthly	16.90%	Fixed

Net Worth Signature Loans	2 Years	$45.67 Monthly	8.98%	Fixed

Net Worth Signature Loans	3 Years	$32.25 Monthly	9.98%	Fixed

Net Worth Signature Loans	4 Years	$25.83 Monthly	10.98%	Fixed

Unsecured Loans	2 Years	$48.97 Monthly	15.98%	Fixed

Unsecured Loans	3 Years	$35.16 Monthly	15.98%	Fixed

Unsecured Loan	4 Years	$28.34 Monthly	15.98%	Fixed

Share Secured Loan		2.00% over deposit rate (Maximum Term = 2 years)

APR* refers to the annual percentage rate or the dividend rate. Members should call the credit union to verify rates.


1st Mortgage Real Estate - In House Please call Julie, Jodi or Lisa for current rates, products & specials (608-323-2126)

2nd Mortgage Real Estate - In House Please call Julie, Jodi or Lisa for current rates, products & specials (608-323-2126)

Real Estate Loans - Secondary Market First Mortgage Fixed Rate Rate subject to change daily Please call Lisa for these rates (608-323-2126) 15-20-30 Year Fixed Rates 5% minimum equity

REAP (Home Equity Line of Credit)

First & Second Mortgage REAPs	3.240%	3.240%		$50.00 minimum
Line up to $150,000.00				1.75% per $1,000
Rate = .01 less than prime rate
Rate changes January 1st and July 1st

Home Construction

Fixed Rate	3.990%	3.990%	6	Interest Only
10-20% equity required
No Points

Mobile Homes Please call Julie, Jodi or Lisa for current rates, products & specials - (608-323-2126)

Commerical - Agricultural Real Estate Loans Please call Julie or Jodi for current rates, products & specials - (608-323-2126)

Monthly payments do not include amounts for taxes and insurance premiums. Equity refers to the percentage of the real estate that you own. If you are making a purchase of real estate, replace the word equity with down payment. Members should call to verify rates. For REAP (Home Equity) loans, please also refer to the handout labeled "Important Terms of Arcadia Credit Union Home Equity Line of Credit".

Description	Minimum Deposit	Dividend Rates	APY**

Regular Share	$25.00	.40%	.40%

Fun Share - (Dreamsaver Account)	$25.00	.75%	.75%

Super Share	$25.00 - $2,000.00	.40%	.40%

Super Share	$2,000.01 - $10,000.00	.40%	.40%

Super Share	$10,000.01 - $40,000.00	.50%	.50%

Super Share	$40,000.01 and up	.75%	.75%

Special Purpose Share	$25.00 - $2,000.00	.60%	.60%

Special Purpose Share	$2,000.01 - $10,000.00	.70%	.70%

Special Purpose Share	$10,000.01 - $40,000.00	.80%	.80%

Special Purpose Share	$40,000.01 and up	.90%	.90%

Christmas Club Share	$5.00	1.98%	2.00%


Members should call the credit union to verify rates. Contact us to find out if there are any fees on these accounts that could reduce your earnings. APY** refers to the annual percentage yield.


Minimum Deposit	Term	Dividend Rates	APY**

$500.00	3 Years	1.59%	1.60%

$500.00	2 Years	1.29%	1.30%

$500.00	18 Months	1.05%	1.05%

$500.00	1 Year	.95%	.95%

$20,000.00	1 Year	1.00%	1.00%

$5,000.00	1 Year (Monthly Dividends)	.95%	.95%

$250.00	9 Months (Add on CD)	.85%	.85%

$500.00	6 Months	.75%	.75%

$500.00	3 Months	.65%	.65%

Members should call the credit union to verify rates. Early withdrawal from a CD will be subject to a 90 day dividend penalty. Penalty for 3 month CD = 30 day APY** refers to the annual percentage yield Contact us to find out if there are any fees on these accounts that could reduce your earnings.

Share Draft - Checking


Description	Minimum Deposit	Dividend Rates	APY **

Checking	$.01 - $2,000.00	.20%	.20%

Checking	$2,000.01 - $10,000.00	.40%	.40%

Checking	$10,000.01 - $40,000.00	.50%	.50%

Checking	$40,000.01 and up	.75%	.75%

APY** refers to the annual percentage yield. Members should call the credit union to verify rates.


Description	Minimum Deposit	Term	Dividend Rates	APY**

IRA Share (Traditional, Roth, Roth Conversion, Coverdell)	$25.00	N/A	1.24%	1.25%
Share Certificate - IRA (Traditional, Roth, Coverdell)	$2,000.00	1 Year	1.25%	1.25%

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


Dividend Compounded	Dividend Added to Account	Minimum Deposit to earn dividend	Current Rate	APY**

Daily	Monthly	$25.00 and up	.95%	.95%


Members should call the credit union to verify rates. Contact us to find out if there are any fees on these accounts that could reduce your earnings. APY ** refers to the annual percentage yield.

Current rates as of 1/1/2012