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

Loan Rates
Rates as of 6/2/2008.
Rate Description Term Payment Description APR APR Type
NEWER VEHICLES: 2005 - 2008 24 - 60/72 MONTHS 0.00% Fixed
Credit Rating A 24 Month (fixed or balloon) Per $1000: $43.87 fixed/$16.10 balloon 4.99% Variable
Credit Rating B 24 Month (fixed or balloon) Per $1000: $44.32 fixed/$16.57 balloon 5.99% Variable
Credit Rating C 24 Month (fixed or balloon) Per $1000: $45.34 fixed/$17.66 balloon 8.25% Variable
Credit Rating D 24 Month (fixed or balloon) Per $1000: $46.26 fixed/$18.65 balloon 10.25% Variable
Credit Rating E 24 Month (fixed or balloon) Per $1000: $48.13 fixed/$20.61 balloon 14.25% Variable
Credit Rating A 36 Month (fixed or balloon) Per $1000: $30.15 fixed/$16.29 balloon 5.40% Variable
Credit Rating B 36 Month (fixed or balloon) Per $1000: $30.60 fixed/$16.76 balloon 6.40% Variable
Credit Rating C 36 Month (fixed or balloon) Per $1000: $31.57 fixed/$17.78 balloon 8.50% Variable
Credit Rating D 36 Month (fixed or balloon) Per $1000: $32.50 fixed/$18.78 balloon 10.50% Variable
Credit Rating E 36 Month (fixed or balloon) Per $1000: $34.42 fixed/$20.87 balloon 14.50% Variable
Credit Rating A 48 Month fixed Per $1000: $23.39 5.80% Fixed
Credit Rating B 48 Month fixed Per $1000: $23.85 6.80% Fixed
Credit Rating C 48 Month fixed Per $1000: $24.77 8.75% Fixed
Credit Rating D 48 months fixed Per $1000: $25.72 10.75% Fixed
Credit Rating E 48 Month fixed Per $1000: $27.70 14.75% Fixed
Credit Rating A 60 Month fixed Per $1000: $19.40 6.15% Fixed
Credit Rating B 60 Month fixed Per $1000: $19.87 7.15% Fixed
Credit Rating C 60 Month fixed Per $1000: $20.76 9.00% Fixed
Credit Rating D 60 Month fixed Per $1000: $21.74 11.00% Fixed
Credit Rating E 60 Month fixed Per $1000: $23.79 15.00% Fixed
USED VEHICLES: 2002 - 2004 24 - 60/72 MONTHS 0.00% Fixed
Credit Rating A 24 Month (fixed or balloon) Per $1000: $44.32 fixed/$16.57 balloon 5.99% Variable
Credit Rating B 24 Month (fixed or balloon) Per $1000: $44.77 fixed/$17.04 balloon 6.99% Variable
Credit Rating C 24 Month (fixed or balloon) Per $1000: $45.57 fixed/$17.90 balloon 8.75% Variable
Credit Rating D 24 Month (fixed or balloon) Per $1000: $46.49 fixed/$18.91 balloon 10.75% Variable
Credit Rating E 24 Month (fixed or balloon) Per $1000: $48.37 fixed/$21.01 balloon 14.75% Variable
Credit Rating A 36 Month (fixed or balloon) Per $1000: $30.60 fixed/$16.76 balloon 6.40% Variable
Credit Rating B 36 Month (fixed or balloon) Per $1000: $31.06 fixed/$17.24 balloon 7.40% Variable
Credit Rating C 36 Month (fixed or balloon) Per $1000: $31.80 fixed/$18.02 balloon 8.99% Variable
Credit Rating D 36 Month (fixed or balloon) Per $1000: $32.73 fixed/$19.03 balloon 10.99% Variable
Credit Rating E 36 Month (fixed or balloon) Per $1000: $34.66 fixed/$21.14 balloon 14.99% Variable
Credit Rating A 48 - 60 Month fixed Per $1000: $23.85 - $19.87 06.800 or 07.150 Fixed
Credit Rating B 48 - 60 Month fixed Per $1000: $24.32 - $20.35 07.800 or 08.150 Fixed
Credit Rating C 48 - 60 Month fixed Per $1000: $24.98 - $20.95 09.200 of 09.400 Fixed
Credit Rating D 48 - 60 Month fixed Per $1000: $25.94 - $21.94 11.200 or 11.400 Fixed
Credit Rating E 48 - 60 Month fixed Per $1000: $27.93 - $24.00 15.20 or 15.400 Fixed
OLDER USED VEHICLES 36 - 48 MONTHS DEPENDING ON YEAR OF VEHICLE 0.00% Fixed
Used 1996 - 2001/Credit Rating A up to 48 Month fixed Per $1000: $24.48 - $24.79 08.150 or 08.800 Fixed
Used 1996 - 2001/Credit Rating B up to 48 Month fixed Per $1000: $24.96 - $25.25 09.150 or 09.750 Fixed
Used 1996 - 2001/Credit Rating C up to 48 Month fixed Per $1000: $25.56 - $25.85 10.400 or 11.000 Fixed
Used 1996 - 2001/Credit Rating D up to 48 Month fixed Per $1000: $26.53 - $26.83 12.400 or 13.000 Fixed
Used 1996 - 2001/Credit Rating E up to 48 Month fixed Per $1000: $28.34 - $28.55 16.000 or 16.400 Fixed
Used 1995 & older/CAll FOR QUOTE up to 36 Months fixed Per $1000: $31.94 - $35.55 9.300 - 16.800 Fixed
SIGNATURE/Call for quote/based on Credit Rating 12 - 60 Month fixed 0.00% Fixed
MORTGAGES EQUITY 1ST & 2ND 0.00% Fixed
Equity 1st Mortgage/Credit Rating A 2 year balloon Per $1000: $7.91 5.00% Variable
Equity 1st Mortgage/Credit Rating B 2 year balloon Per $1000: $8.17 5.50% Variable
Equity 1st Mortgage/Credit Rating C 2 year balloon Per $1000: $8.71 6.50% Variable
Equity 1st Mortgage/Credit Rating D 2 year balloon Per $1000: $8.99 7.00% Variable
Equity 1st Mortgage/Credit Rating E 2 year balloon Per $1000: $10.14 9.00% Variable
Equity 1st Mortgage/Credit Rating A 3 year balloon Per $1000: $8.04 5.25% Variable
Equity 1st Mortgage/Credit Rating B 3 year balloon Per $1000: $8.30 5.75% Variable
Equity 1st Mortgage/Credit Rating C 3 year balloon Per $1000: $8.85 6.75% Variable
Equity 1st Mortgage/Credit Rating D 3 year balloon Per $1000: $9.13 7.25% Variable
Equity 1st Mortgage/Credit Rating E 3 year balloon Per $1000: $10.29 9.25% Variable
Equity 1st Mortgage/Credit Rating A 4 year balloon Per $1000: $8.17 5.50% Variable
Equity 1st Mortgage/Credit Rating B 4 year balloon Per $1000: $8.44 6.00% Variable
Equity 1st Mortgage/Credit Rating C 4 year balloon Per $1000: $8.99 7.00% Variable
Equity 1st Mortgage/Credit Rating D 4 year balloon Per $1000: $9.27 7.50% Variable
Equity 1st Mortgage/Credit Rating E 4 year balloon Per $1000: $10.44 9.50% Variable
Equity 2nd Mortgage/Credit Rating A 2 year balloon Per $1000: $8.04 5.25% Variable
Equity 2nd Mortgage/Credit Rating B 2 year balloon Per $1000: $8.30 5.75% Variable
Equity 2nd Mortgage/Credit Rating C 2 year balloon Per $1000: $8.85 6.75% Variable
Equity 2nd Mortgage/Credit Rating D 2 year balloon Per $1000: $9.13 7.25% Variable
Equity 2nd Mortgage/Credit Rating E 2 year balloon Per $1000: $10.29 9.25% Variable
Equity 2nd Mortgage/Credit Rating A 3 year balloon Per $1000: $8.17 5.50% Variable
Equity 2nd Mortgage/Credit Rating B 3 year balloon Per $1000: $8.44 6.00% Variable
Equity 2nd Mortgage/Credit Rating C 3 year balloon Per $1000: $8.99 7.00% Variable
Equity 2nd Mortgage/Credit Rating D 3 year balloon Per $1000: $9.27 7.50% Variable
Equity 2nd Mortgage/Credit Rating E 3 year balloon Per $1000: $10.44 9.50% Variable
Equity 2nd Mortgage/Credit Rating A 4 year balloon Per $1000: 8.30 5.75% Variable
Equity 2nd Mortgage/Credit Rating B 4 year balloon Per $1000: $8.57 6.25% Variable
Equity 2nd Mortgage/Credit Rating C 4 year balloon Per $1000: $9.13 7.25% Variable
Equity 2nd Mortgage/Credit Rating D 4 year balloon Per $1000: $9.41 7.75% Variable
Equity 2nd Mortgage/Credit Rating E 4 year balloon Per $1000: $10.59 9.75% Variable
PURCHASE $ MORTGAGES/CONSTRUCTION LOANS FIXED RATES WITH PARTNER - PLEASE CALL 0.00% Fixed
Share/Certificate Pledged 3% above yield/Call for quote 0.00% Fixed
Kwik Cash Line of Credit $3.00 per $100/minimum of $25.00 15.00% Fixed

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 6/2/2008.
Rate Description Term Dividend Rates APY
$500 minimum 3 Months (90 Days) 2.14% 2.15%
$500 minimum 6 Months 2.48% 2.50%
$500 minimum 9 Months 2.72% 2.75%
$500 minimum 12 Months 2.97% 3.00%
$500 minimum 16 Months 3.07% 3.10%
$500 minimum 24 Months 3.16% 3.20%
$500 minimum 30 Months 3.26% 3.30%
$500 minimum 36 Months 3.36% 3.40%

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 6/2/2008.
Rate Description Term Dividend Rates APY
Dividend Paid quarterly 1.00% 1.00%
2nd, etc. Savings Dividend Paid quarterly 1.00% 1.00%
Christmas Club Dividend Paid annually on Sept. 30 2.00% 2.00%

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 6/2/2008.
Rate Description Term Dividend Rates APY
No IRAs at this time 0.00% 0.00%

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.

Share Draft
Rates as of 6/2/2008.
Rate Description Term Dividend Rates APY
No dividends/no minimum No monthly fees 0.00% 0.00%

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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Oshkosh Postal Employees Credit Union