Lending Rates at Mountain Credit Union

Type**	Term	APR*
Share Secured	Up to 60 Months	4.00%
Secured***	Up to 84 Months	4.75% to 18.00%
Signature	Up to 60 Months	8.95% to 17.65%
Visa Smart Rewards Platinum Credit Card	Call for term	As low as 9.99% Ask about special introductory rates.
Visa Smart Rate Platinum Credit Card	Call for term	As low as 7.99% Ask about special introductory rates.
Reserve Account	Call for Term	11.90% to 14.90%
Loan Overdraft	Up to 11 Months	17.50%
Annual Percentage Rate (A.P.R.). All rates are subject to change daily without notice at the discretion of the Board of Directors. All loan approvals are subject to normal underwriting guidelines. Rates quoted represent the range of rates available. Rates are based on the type of loan, term of loan, amount of loan and your credit worthiness. Rate and Term are dependant on credit worthiness. **New and Used Auto's, Boats, Motorcycles, RV's, Campers, Travel Trailers, Farm Equipment, New Furniture and Appliances.

Type**	Term	APR*
Home Equity - Closed End Fixed	Up to 60 Months	5.00% to 8.50% Minimum Rate of 5.00% *Minimum Payment $100.00*
	61-120 Months	5.25% to 8.75% Minimum Rate of 5.00% *Minimum Payment $100.00*
	121-180 Months	5.50% to 9.75% Minimum Rate of 5.00% *Minimum Payment $100.00*

Home Equity - Variable	Up to 180 Months Up to $29,999.99	4.00% to 7.75% Minimum Variable Rate 4.00% Maximum Variable Rate 17.50% Minimum Payment $100.00
	Up to 180 Months Over $30,000.00	4.00% to 7.75% Minimum Variable Rate 4.00% Maximum Variable Rate 17.50% Minimum Payment $100.00

Mobile Home - No Property	120 Months	12.30% to 17.30%
	180 Months	13.80% to 17.80%
	240 Months	14.60% to 17.60%

Mobile Home - With Property	Up to 120 Months	11.20% to 17.20%
	Up to 180 Months	12.40% to 17.40%
	Up to 240 Months	13.70% to 16.70%

Unimproved Property	Up to 60 Months	7.90% to 15.90%
	Up to 180 Months	8.90% to 16.90%

Prime Rate as of December 17,2008 3.25%

Annual Percentage Rate (A.P.R.). All rates are subject to change daily without notice at the discretion of the Board of Directors. All loan approvals are subject to normal underwriting guidelines. Rates quoted represent the range of rates available. Rates are based on the type of loan, term of loan, amount of loan and your credit worthiness. *Rate and Term are dependant on credit worthiness.