Rates

Credit Cards
MasterCard	Visa Platinum	Visa Platinum Rewards
ANNUAL PERCENTAGE RATE (APR) for Purchases, Balance Transfers, and Cash Advances
Beacon 760 & Above
9.50%	8.50%	9.50%
Beacon 730 to 759
11.50%	9.50%	11.50%
Beacon 670 to 729
13.50%	11.50%	13.50%
Beacon 620 to 669
14.50%	13.50%	14.50%
Beacon 619 & Below
18.00%	16.50%	18.00%
Grace Period for Repayment of Balances for Purchases
NONE	25 days from statement of closing date for repayment of purchases to avoid finance charges	25 days from statement of closing date for repayment of purchases to avoid finance charges
Method of Computing the Balance for Purchases
Average Daily Balance (including new purchases)
Annual Fee
NONE
Minimum Finance Charge
NONE
Late Payment Fee
If you fail to pay at least the minimum payment within 2 days after its due date, you will pay a late charge up to $25
Over-the-Credit Limit Fee
NONE
Transaction Fee for Balance Transfers
NONE
Transaction Fee for Cash Advances
3% with minimum of $10

Mortgages
Type	Beacon Score	Rates	APR	Points
1st Mortgage 10 year fixed Disclosure	760 & above	3.50%	3.554%	0
1st Mortgage 10 year fixed Disclosure	730 - 759	3.75%	3.804%	0
1st Mortgage 10 year fixed Disclosure	660 - 729	4.00%	4.054%	0

1st Mortgage 15 year fixed Disclosure	760 & above	4.00%	4.039%	0
1st Mortgage 15 year fixed Disclosure	730 - 759	4.25%	4.290%	0
1st Mortgage 15 year fixed Disclosure	660 - 729	4.50%	4.540%	0

1st Mortgage 20 year fixed Disclosure	760 & above	4.25%	4.280%	0
1st Mortgage 20 year fixed Disclosure	730 - 759	4.50%	4.530%	0
1st Mortgage 20 year fixed Disclosure	660 - 729	4.75%	4.780%	0

1st Mortgage 30 year fixed Disclosure	760 & above	5.00%	5.022%	0
1st Mortgage 30 year fixed Disclosure	730 - 759	5.25%	5.272%	0
1st Mortgage 30 year fixed Disclosure	660 - 729	5.50%	5.523%	0

2nd Mortgage 20 year fixed Disclosure	760 & above	8.00%	8.028%	0
2nd Mortgage 20 year fixed Disclosure	730 - 759	9.00%	9.029%	0
2nd Mortgage 20 year fixed Disclosure	660 - 729	9.50%	9.582%	0
Other Loans		Rate
BEACON SCORE		760 & above	730 to 759	660 to 729
Home Improvement Disclosure		8.00%	9.00%	9.50%
Home Equity Disclosure		8.00%	9.00%	9.50%
Land/Lot Loan Disclosure		10.00%	11.00%	11.50%
Rental Property Disclosure		8.00%	9.00%	9.50%
Condo Disclosure		7.00%	8.00%	9.00%
Mobile Home Disclosure		8.00%	9.00%	9.50%

Consumer Loans
Type of Loan	Rate (Rates are listed as annual percentage rates)
The Annual Percentage Rates listed do not include an application fee of $10 which will be charged on each application or an Auto Refinance fee of $25. The Auto Refinance fee will only be charged when McCoy Federal Credit Union use the proceeds of your loan to pay off your existing auto loan at another financial institution. Your effective Annual Percentage Rate is based on the amount and term of your approved request. Your Annual Percentage Rate will be disclosed to you upon approval of your request.
BEACON SCORE	619 & below	620 - 669	670 - 729	730 - 759	760 & above
NEW Auto Up to 72 mo.	11.50%	7.50%	5.50%	4.50%	4.00%
USED Auto	13.50%	8.50%	6.50%	5.50%	5.00%
RVs, Travel Trailers - NEW	15.00%	11.00%	9.00%	8.00%	7.50%
RVs, Travel Trailers - USED	15.75%	11.75%	9.75%	8.75%	8.25%
Boats - NEW	14.25%	10.25%	8.25%	7.25%	6.75%
Boats - USED	15.00%	11.00%	9.00%	8.00%	7.50%
Line of Credit	18.00%	14.00%	12.00%	11.00%	10.50%
UCC-1 (Household Items)	18.00%	16.00%	14.00%	13.00%	12.50%
Other Secured (48-Mo. Max)	18.00%	14.50%	12.50%	11.50%	11.00%
Unsecured	18.00%	15.00%	13.00%	12.00%	11.50%
Share Secured	3.50%	3.50%	3.50%	3.50%	3.50%
Share Certificate	Interest rate equal to 2% above certificate rate or the Share Secured Rate, whichever is higher.
Motorcycle NEW	12.50%	8.50%	6.50%	5.50%	5.00%
Motorcycle USED	14.50%	9.50%	7.50%	6.50%	6.00%
The actual Annual Percentage Rate for a loan advance is based upon your beacon score and/or estimated term of loan and will be disclosed to you when you apply for an advance.

Disclaimer

All rates are shown as Annual Percentage Rates, and are subject to change without notice.

Savings
Account	Rate	Annual Percentage Yield
Balances of $50 and more	0.25%	0.2502%
Anticipated rates Fourth Quarter 2011. All rates subject to change after account is opened. Minimum to open account is $10. Fees could reduce earnings.

Share Certificates
Term	Balance	Annual Percentage Yield
6 Months	$1000 - $4999	0.4007%
6 Months	$5000 - $24999	0.6519%
6 Months	$25,000 - $99,999	0.9037%
6 Months	$100,000 +	0.9541%
12 Months	$1000 - $4999	0.4509%
12 Months	$5000 - $24,999	0.7023%
12 Months	$25,000 - $99,999	0.9541%
12 Months	$100,000 +	1.0046%
24 Months	$1000 - $4999	0.5011%
24 Months	$5000 - $24,999	0.7526%
24 Months	$25,000 - $99,999	1.0046%
24 Months	$100,000 +	1.0551%
30 Months	$1000 - $4999	0.5514%
30 Months	$5000 - $24,999	0.8029%
30 Months	$25,000 - $99,999	1.0551%
30 Months	$100,000 +	1.1056%
36 Months	$1000 - $4999	0.7023%
36 Months	$5000 - $24,999	0.9541%
36 Months	$25,000 - $99,999	1.2066%
36 Months	$100,000 +	1.2572%
60 Months	$1000 - $4999	0.8029%
60 Months	$5000 - $24,999	1.0551%
60 Months	$25,000 - $99,999	1.3078%
60 Months	$100,000 +	1.3584%
Rates effective as of 07-18-11. $1000 minimum to open. Substantial penalty for early withdrawal. Rates are subject to change without notice.

IRAs
Account	Rate	Annual Percentage Yield
IRA	0.50%	0.50009%
Dividend rate for Fourth Quarter 2011. All rates subject to change after account is opened. There is no minimum balance to open account.

MMSAs
Account	Rate	Annual Percentage Yield
Balances of $1,000 and more	0.35%	0.3506%
Dividend rate as of 01-01-11. Rate subject to change monthly. Ask for current rate. Minimum to open account is $1,000. Fees could reduce earnings.