IAEFCU Rates

Share & IRA Shareeffective date 10-01-2011
Deposit Amount	APR	APY¹	Credited
$100 - $5,000	.748%	.75%	Quarterly
$5,001 - $50,000	.847%	.85%	Quarterly
$50,001 +	.897%	.90%	Quarterly
¹Dividend Rates are calculated on simple interest, day of deposit, day of withdrawal. Fees or other conditions could reduce earnings. APY are calculated as of posted effective date. Penalties may apply for early withdrawal of funds. All rates are subject to change without notice.

]]>http://iaefcu.org/page.phpHoliday Club

Holiday Club10-01-2011
Deposit Amount	APR	APY¹	Credited
$5+	1.00%	1.00%	Annually
¹Dividend Rates are calculated on simple interest, day of deposit, day of withdrawal. Fees or other conditions could reduce earnings. APY are calculated as of posted effective date. Penalties may apply for early withdrawal of funds. All rates are subject to change without notice.

]]>http://iaefcu.org/page.phpInterest Checking

Interest Checking¹10-01-2011
Deposit Amount	APR	APY²	Credited
$500+	.499%	.50%	Monthly
¹Interest Checking has a minimum balance requirement of $500.00 to avoid a $5 monthly fee. ²Dividend Rates are calculated on simple interest, day of deposit, day of withdrawal. Fees or other conditions could reduce earnings. APY are calculated as of posted effective date. Penalties may apply for early withdrawal of funds. All rates are subject to change without notice.

]]>http://iaefcu.org/page.phpBasic Checking

Basic Checking²10-01-2011
Deposit Amount	APR	APY¹
No minimum	0.00%	0.00%
¹Dividend Rates are calculated on simple interest, day of deposit, day of withdrawal. Fees or other conditions could reduce earnings. APY are calculated as of posted effective date. Penalties may apply for early withdrawal of funds. All rates are subject to change without notice. ²Basic Checking has no minimum balance fees.

]]>http://iaefcu.org/page.phpMoney Market Checking

Money Market Checking²01-01-2012
Deposit Amount	APR	APY¹	Credited
$2,500 - $4,999.99	.399%	.40%	Monthly
$5,000 - $9,999.99	.598%	.60%	Monthly
$10,000 and up	.648%	.65%	Monthly
¹Dividend Rates are calculated on simple interest, day of deposit, day of withdrawal. Fees or other conditions could reduce earnings. APY are calculated as of posted effective date. Penalties may apply for early withdrawal of funds. All rates are subject to change without notice. ²Money Market checking has a minimum balance of $2500.00 to avoid a $5 monthly fee.

]]>http://iaefcu.org/page.phpShare Certificates & Roth, Educational & Traditional IRA

Share Certificates & Roth & Traditional IRAs²01-27-2012
Term	Minimum Deposit	APR	APY¹	Credited
6 Months	$1,000	.599%	.60%	Quarterly
1 Year	$1,000	.798%	.80%	Quarterly
2 Years	$1,000	.996%	1.00%	Quarterly
3 Years	$1,000	1.244%	1.25%	Quarterly
4 Years	$1,000	1.492%	1.50%	Quarterly
¹Dividend Rates are calculated on simple interest, day of deposit, day of withdrawal. Fees or other conditions could reduce earnings. APY are calculated as of posted effective date. Penalties may apply for early withdrawal of funds. All rates are subject to change without notice. ²Early withdrawal penalty is 90 days of interest.

]]>http://iaefcu.org/page.phpEasyStart CD

EasyStart CD²01-27-2012
Term	Minimum Deposit	APR	APY¹	Credited
6 Months	$250.00	.599%	.60%	Quarterly
1 Year	$250.00	.798%	.80%	Quarterly
¹Dividend Rates are calculated on simple interest, day of deposit, day of withdrawal. Fees or other conditions could reduce earnings. APY are calculated as of posted effective date. Penalties may apply for early withdrawal of funds. All rates are subject to change without notice. ²Bump-up CD: One member-initiated rate increase to new current 1 year CD rate during term of the CD. Applies to new CDs and renewals only.

]]>http://iaefcu.org/page.phpCar/Motorcycle

Car/Motorcycle¹07-25-2011
Maximum Term	Rate/APR as low as²	Maximum Loan Amount⁴
36 months	4.50%³	100%
48 months	4.75%³	100%
60 months	5.00%³	100%
72 months	5.25%³	100%
¹New car price from dealer invoice. Used car value from High Blue Book Value (HBBV). ²Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 730 and above. All rates are subject to change without notice. ³Includes consumer loan rate reduction of .25% APR when loan payments automatically deducted from borrower's account. ⁴Maximum Loan Amount shown as a percentage of purchase price or HBBV, including tax/license.

]]>http://iaefcu.org/page.phpCar/Motorcycle (with equity)

Car/Motorcycle (with equity)²07-25-2011
Maximum Term	Rate/APR as low as³	Maximum Loan Amount¹
36 months	4.00%⁴	80%
48 months	4.25%⁴	80%
60 months	4.50%⁴	80%
72 months	4.75%⁴	80%
¹Maximum Loan Amount shown as a percentage of purchase price or HBBV, including tax/license. ²New car price from dealer invoice. Used car value from High Blue Book Value (HBBV). ³Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 730 and above. All rates are subject to change without notice. ⁴Includes consumer loan rate reduction of .25% APR when loan payments automatically deducted from borrower's account.

]]>http://iaefcu.org/page.phpBoats

Boats/RV07-25-2011
Maximum Term	Rate/APR as low as¹	Maximum Loan Amount
72 Months	9.25%²	Up to 80% of purchase price, including tax
120 Months	9.75%²	Up to 80% of purchase price, including tax
¹Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 730 and above. All rates are subject to change without notice. ²Includes consumer loan rate reduction of .25% APR when loan payments automatically deducted from borrower's account.

]]>http://iaefcu.org/page.phpPersonal/Signature

Personal/Signature07-25-2011
Maximum Amount	Term	Rate/APR as low as¹
$5,000	36 months	8.50%²
$10,000	48 months	8.75%²
$15,000	60 months	9.00%²
¹Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 730 and above. All rates are subject to change without notice. ²Includes consumer loan rate reduction of .25% APR when loan payments automatically deducted from borrower's account.

]]>http://iaefcu.org/page.phpShare Secured

Share Secured07-25-2011
Maximum Amount	Maximum Term	Rate/APR as low as
Amount on deposit	72 months	5.00%

]]>http://iaefcu.org/page.phpSecond Mortgage @@ROWS@@

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]]>http://iaefcu.org/page.phpMini Home Equity (Fees Apply)

Mini Home Equity (Fees Apply)07-25-2011
Maximum Term	Rate/APR as low as¹	Maximum Loan Amount
1-5 Years	3.75%	80% of equity
6-10 Years	4.25%	80% of equity
11-15 Years	4.50%	80% of equity
¹Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 730 and above. All rates are subject to change without notice.

]]>http://iaefcu.org/page.phpMini Home Equity (No Fees)

Mini Home Equity (No Fees)07-25-2011
Maximum Term	Rate/APR as low as¹	Maximum Loan Amount
1-5 Years	4.75%	80% of equity
6-10 Years	5.00%	80% of equity
11-15 Years	5.25%	80% of equity
¹Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 730 and above. All rates are subject to change without notice.

]]>http://iaefcu.org/page.phpSecond Mortgage (Variable Rate)

Second Mortgage (Variable Rate)²07-25-2011
Maximum Term	Rate/APR as low as³	Maximum Loan Amount
5 Years	Prime Rate + 1.50%¹	80% of equity
10 Years	Prime + 1.75%¹	80% of equity
15 Years	Prime + 2.00%¹	80% of equity
¹Introductory Interest rate will be the Prime Rate on the date of the loan. After 1 year the rate will adjust to the then-current Prime Rate + 1.50% - 2.00% depending on term. ²No fees except state-required mortgage tax, if applicable, when mortgage is held for more than 36 months. ³Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 730 and above. All rates are subject to change without notice.

]]>http://iaefcu.org/page.phpHome Equity Line of Credit (Annual Adjustment)

Home Equity Line of Credit (Annual Adjustment)³07-25-2011
Maximum Term	Rate/APR as low as¹	Maximum Loan Amount
5-year draw; no closing fees³	Prime Rate + 1.50%²	80% of equity
¹Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 730 and above. All rates are subject to change without notice. ²Introductory Interest rate will be the Prime Rate on the date of the loan. After 1 year the rate will adjust to the then-current Prime Rate + 1.50% - 2.00% depending on term. ³No fees except state-required mortgage tax, if applicable, when mortgage is held for more than 36 months.

]]>http://iaefcu.org/page.phpVISAÂ®

VISA�07-25-2011
	Rate/APR as low as¹	Maximum Amount
VISA� Platinum	8.90%	$50,000
¹Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 730 and above. All rates are subject to change without notice.

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