Mil-Way Federal Credit Union

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Rates

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Regular Savings Accounts (effective 03/01/12) Mil-Way FCU Regular Savings Accounts** are available.
Type	Dividend Rate	APY*
Regular Savings Accounts ($0.00 to $199.99)	0.00%	0.00%
Regular Savings Accounts ($200.00 to $999.99)	0.15%	0.15%
Regular Savings Accounts ($1,000.00 & Above)	0.20%	0.20%

Special Savings Accounts (effective 3/01/12) Mil-Way FCU Special Savings Accounts** are available.
Type	Dividend Rate	APY*
Special Savings Accounts ($0.00 to $199.99)	0.00%	0.00%
Special Savings Accounts ($200.00 to $999.99)	0.15%	0.15%
Special Savings Accounts ($1,000.00 to $ 4,999.99)	0.20%	0.20%
Special Savings Accounts ($5,000.00 & Above)	0.55%	0.55%

IRA Accounts (effective 3/01/12) Mil-Way FCU IRA Accounts** are available.
Type	Dividend Rate	APY*
IRA Accounts ($0.00 to $199.99)	0.00%	0.00%
IRA Accounts ($200.00 to $999.99)	0.15%	0.15%
IRA Accounts ($1,000.00 to $ 4,999.99)	0.20%	0.20%
IRA Accounts ($5,000.00 & Above)	0.55%	0.55%
The Account will continue to earn interest daily and pay quarterly. Withdrawals are without penalty providing the account is not closed. APY = Annual Percentages Yield balances exceeding $5,000. *Penalties for early withdrawal will apply.

Share Draft Rates (effective 3/01/12) Compounded Monthly
Type	Monthly Dividend Rate	APY*
Share Draft ($500.00 & Above)	0.15%	0.15%

Share Certificate Rates (effective 3/01/12) $2500 Minimum Deposit Compounded Monthly
Type	Term	Monthly Dividend Rate	APY*
Share Certificate	6 Months	0.60%	0.60%
Share Certificate	12 Months	0.70%	0.70%
Share Certificate	18 Months	1.05%	1.05%
Share Certificate	24 Months	1.19%	1.20%
APY = Annual Percentages Yield *Early withdrawal penalties apply to Share Certificates. Minimum deposit of $2500 required for Share Certificates. Any fee could reduce the earnings on the account.

Loan Rates (effective 3/20/13)
Type	Term	APR*
Personal	Up to 36 Months	9.80%**
Personal	Term-1 Year Renewal	10.20%**
Share		Call for Rate

Type	Term	APR*
New/Used Vehicles	Up to 48 Months	2.79%**
New/Used Vehicles	Up to 63 Months	2.89%**
New/Used Vehicles	Up to 72 Months	2.99%**

Type	Term	APR*
New/Used Boats/PWC	Up to 63 Months	4.89%**
New/Used Boats	Up to 72 Months	5.29%**
New Boats	Up to 84 Months	5.69%**

Type	Term	APR*
New/Used Travel Trailer/RV	Up to 63 Months	4.89%**
New/Used Travel Trailer/RV	Up to 72 Months	5.29%**
Used Travel Trailer/RV	Up to 96 Months	6.09%**
New Travel Trailer/RV	Up to 120 Months	6.89%**

Type	Term	APR*
New 4 Wheelers	Up to 48 Months	4.89%**
Used 4 Wheelers	Up to 48 Months	5.89%**
New 4 Wheelers	Up to 63 Months	5.29%**

Type	Term	APR*
New/Used Farm Equip	Up to 48 Months	4.89%**
New/Used Farm Equip	Up to 63 Months	5.29%**
New/Used Farm Equip	Up to 72 Months	5.69%**

Type	Term	APR*
Household Goods	Up to 36 Months	7.79%**

Type	Term	APR*
New/Used Motorcycles	Up to 48 Months	4.89%**
New/Used Motorcycles	Up to 63 Months	5.29%**
New/Used Motorcycles	Up to 72 Months	5.69%**

*Must be a purchase or a refinance from another financial institution. Refinance-cash out: Must add 1.00% to the current stated APR rate.

Type	Term
Unimproved Property Mortgage Loan Home Equity Loan	Call a Loan Officer for details!
	Texarkana, AR: 870-772-0661
	Texarkana, TX: 903-832-2004
	Ashdown, AR: 870-898-3742


	INSTRUCTIONS This addendum is incorporated into and becomes a part of your LOANLINER@ Credit Agreement. Please keep this attached to your LOANLINER@ Credit Agreement. The ANNUAL PERCENTAGE RATES, corresponding daily periodic rates and amount and due date of payments for each loan subaccount are shown to the left. If there is no payment schedule, the amount and due date of payments will be determined at the time of each advance and disclosed on the Advance Request Voucher. Other charges that may be imposed are also shown below (i.e. late charges, filing fees, collection costs). *Annual Percentage Rates (APR) are based on credit scores. Your loan rate may vary. Rates are subject to change daily. Filing Fees : You will be charged a UCC 1 lien filing fee at the time of an advance if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of the fee required by state law for the credit union to obtain a lien on your property. The amount of the filing fee will be disclosed on the voucher. UCC1 FEES: Arkansas-$16.50 Texas-$30.50 Collection Costs: You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees. Late Fees: Any loan payment not paid within ten (10) days of its due date shall be subject to a late charge of 3% of the payment amount or $25 whichever is less. If you do not make payments as scheduled, we may also require you to pay other charges and fees involved in collecting your loan. Membership Fees: A $5.00 membership fee and a $5.00 deposit into a Share Savings Account establishes membership in Mil-Way Federal Credit Union.

	This addendum is incorporated into and becomes a part of your LOANLINER@ Credit Agreement. Please keep this attached to your LOANLINER@ Credit Agreement. Disclosure

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