Certificates | Savings | IRA | Loans

Disclosures

TERM SHARE CERTIFICATE RATES
Rates in effect February 2, 2010 until further notice
Dividend rates and Annual Percentage Yeild are subject to change each week. A penalty will be imposed for early withdrawal.

Term	Minimum Deposit	Dividend Rate*	APY**
3 Month	$7,500.00	0.55%	0.55%
6 Month	$10,000.00	0.60%	0.60%
9 Month	$10,000.00	0.65%	0.65%
12 Month	$5,000.00	0.70%	0.70%
24 Month	$5,000.00	0.75%	0.75%
30 Month	$1,000.00	0.75%	0.75%
36 Month	$500.00	0.75%	0.75%

*Dividend Rate
APY** Annual Percentage Yield

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EFCU rates are determined by the Board of Directors. The dividend period for these types of account’s is monthly.  The dividend rate and annual percentage yield may change every dividend period. Minimum balance of $100.00 is required to earn dividends on Share Savings Accounts, Vacation Club Accounts and Christmas Club Accounts. Minimum balance of $25.00 is required to earn dividends on Student Share Savings and Moola Moola Kids Club Accounts.

	Estimated Rate
	Dividend Rate*	APY**
Share Savings Account	0.50%	0.48%
Student Share Savings Account	0.50%	0.48%
Moola Moola Kids Club Account	0.50%	0.48%
Vacation Club Account	0.50%	0.48%
Christmas Club Account	0.50%	0.48%

*Dividend Rate
APY** Annual Percentage Yield

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EFCU rates are determined by the Board of Directors. The dividend period for this type of account is quarterly. The dividend rate and annual percentage yield may change every dividend period.

	Estimated Rate
	Dividend Rate*	APY**
IRA Share Savings Account	2.50%	2.53%

* Dividend Rate
APY** Annual Percentage Yield

Fees could reduce earnings on Dividend Bearing accounts.

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Loans
Based on Risk Factor
New Auto
6 mo from the time of purchase and less than 15,000 miles
5.00% for 60 mo.		APR*	5.25%	680 or higher
		APR*	6.00%	640 to 679
		APR*	7.75%	600 to 639
		APR*	9.00%	599 and lower
Used Auto
Back to a 2005		APR*	6.00%	680 or higher
		APR*	7.00%	640 to 679
		APR*	7.50%	600 to 639
		APR*	8.50%	599 and lower
New Personal Rvs: Boat, ATV, Motorcycle, Jet Ski, Snowmobile, Horse Trailers
6.25% for 24 mo		APR*	8.25%	680 or higher
		APR*	9.25%	640 to 679
		APR*	11.50%	639 and lower
Used Personal Rvs: Boat, ATV, Motorcycle, Jet Ski, Snowmobile, Horse Trailers
		APR*	9.75%	680 or higher
		APR*	11.25%	640 to 679
		APR*	12.75%	639 and lower
New Travel Trailer & Horse Trailers With Living Quarters
		APR*	8.25%	680 or higher	60 mo $15,000
		APR*	9.25%	640 to 679	72 mo $25,000
		APR*	10.75%	639 and lower	96 mo $35,000
					108 mo over $35K
Used Travel Trailer & Horse Trailers With Living Quarters
		APR*	9.25%	680 or higher
		APR*	10.75%	640 to 679
		APR*	12.00%	639 and lower	not to exceed 84 mos
New Motorhomes
		APR*	8.25%	680 or higher	60 mo $15,000
		APR*	8.75%	640 to 679	96 mo $35,000
		APR*	9.75%	639 and lower	120 mo over $35K
Used Motorhomes
Back 7 years APR*	9.25%	7 years +	10.25%	680 or higher
APR*	10.25%		11.25%	640 to 679
APR*	11.00%		12.00%	639 and lower	not to exceed 84 mo
Other Secured
Tracked         APR*	10.00%	No Track	11.50%	680 or higher
APR*	10.75%		12.25%	640 to 679
APR*	11.50%		13.00%	639 and lower
Personal
	APR*		13.00%	680 or higher
	APR*		14.50%	640 to 679
	APR*		16.50%	639 and lower

*APR=Annual Percentage Rate