Rates as of: 08/26/08

Secured Loans
Loan Type Base Rate -
NEW Vehicles, Boats, Motorcycles, etc.
100% Financing, including Tax, Title and Registration:
6-23 Months 5.00%
24-35 Months 5.25%
36-47 Months 5.50%
48-59 Months 5.75%
*60-71 Months 6.00%
*72-84 Months 6.00%
Used Vehicles, Boats, Motorcycles, etc.
100% Financing, including Tax, Title and Registration:
6-23 Months 5.50%
24-35 Months 5.75%
36-47 Months 6.00%
**48-60 Months 6.25%
**60-71 Months 6.50%
Share Secured
Regular Share Rate (+2.50%) 3.30%
Averaged High Yield Savings Rate: (+2.50%) 4.00%
Stock Secured
Up to: 60 Months 6.00%

* Minimum $12,000.00 financing for New Vehicle Loans with maximum term of 72 Months.
** 60 Month Used Vehicle financing requires $12,000.00 minimum & vehicle no more than 3 model years old.
For vehicles 6-7 model years, add 2% to rate(s).

Refinance of Vehicle Loan from other financial institutions: 2% Less than your current rate (minimum 5.00%).





Unsecured Loans
Loan Type Base Rate -
Overdraft Protection
Open-end Credit 10.50%
Personal Loan
Rates Based on Qualifications 11.00%
VISA Card
VIP 8.00%
Regular 8.00%





Mortgage Programs
Type Term Rate Points
Fixed 1st Mortgage 30-Year 6.375% 0
30-Year 6.250% 1
30-Year 6.125% 2
40-Year 6.625% 0
40-Year 6.500% 1
40-Year 6.375% 2
Fixed 1st Mortgage 15-Year 6.125% 0
15-Year 6.000% 1
15-Year 5.875% 2
20-Year 6.250% 0
1/1 Year ARM 30-Year 4.875% 0
3/1 Year ARM 30-Year 5.125% 0
5/1 Year ARM 30-Year 5.500% 0
Fixed 2nd Mortgage 80% 90% 100%
Up to 5 Years to Repay 5.25% 5.50% 7.00%
Up to 10 Years to Repay 5.50% 6.00% 7.25%
Up to 15 Years to Repay 5.75% 6.50% 7.50%
Up to 20 Years to Repay 6.00% 7.00% 8.00%
'A' Paper Rate for 10-year to 20-year.
On the House Line of Credit
10-Year 3.74% Rate adjusts quarterly based on 6-Month T-Bill plus a margin, (current T-Bill as of 12/31/07 is 3.43%)
15-Year 4.50% Rate adjusts every 6/30 & 12/31 based on Prime rate plus a margin.
20-Year 4.75% Rate adjusts every 6/30 & 12/31 based on the Prime Rate plus a margin.
30-Year 3.75% Rate adjusts every 6/30 & 12/31 based on the Prime Rate plus a margin
Your rate will be based upon your credit standing. Floor Rates and other conditions apply.





Savings
Account Type Rate APY Terms
Regular Share Account: .80% .80% $250 Minimum Balance.
Kids Club Account: 1.20% 1.30%
Holiday Club: .80% .80%
Vacation Club: .80% .80% No Withdrawal Restrictions
High Yield Savings: 0.00% 0.00% $0.00-$999.99 Minimum Daily Balance
High Yield Savings: 1.20% 1.21% $1000.00-$2499.99 Minimum Daily Balance (on entire account balance)
High Yield Savings: 1.50% 1.51% $2500.00 and above Minimum Daily Balance (1.50% on balance over $2499.99 PLUS 1.20% on first $2499.99)
IRA Accumulator: 1.10% 1.11% Less than $40000.00 Minimum Daily Balance
IRA Accumulator: 1.20% 1.21% More than $40000.00 Minimum Daily Balance





Checking
Account Type Rate APY Terms
Diamond Checking .25% .25% No Monthly Service Charges
V.I.P. Account: .25% .25% No Monthly Service Charges
To Earn Dividend, must maintain $750 Minimum Daily Balance
Student Account .25% .25% No Monthly Service Charges
Senior Account
(Age 62 or older)		 .50% .50% No Monthly Service Charges
To Earn Dividend, must maintain $750 Minimum Daily Balance
Money Market Account: Rate: APY: Account Balance to Earn Dividend:
1.25% 1.26% $1,000- $14,999.99
1.50% 1.51% $15,000- $29,999.99
1.75% 1.76% $30,000- $49,999.99
2.00% 2.02% $50,000 AND OVER
$10.00 Monthly Fee for daily balance less than $1000;
$10.00 per Item Fee in excess of 6 withdrawals per month;
150 FREE Checks.





Platinum Money Market
Rate APY Account Balance to Earn Dividend:
2.00% 2.02% $10,000 - $49,999.99
2.25% 2.26% $50,000 - $99,999.99
2.75% 2.78% $100,000 - OVER
$10.00 Monthly Fee for daily balance less than $10,000;
$10.00 per Item Fee in excess of 6 withdrawals per month;
150 FREE Checks.





Share Certificates
Term Rate APY
1-Month: 2.50% 2.50%
3-Month: 2.75% 2.75%
4-Month: 2.75% 2.75%
6-Month: 3.00% 3.00%
7-Month: 3.25% 3.25%
8-Month: 3.50% 3.50%
9-Month: 3.90% 3.90%
12-Month: 4.05% 4.12%
18-Month: 4.15% 4.23%
2-Year 4.25% 4.33%
3-Year: 4.50% 4.59%
4-Year: 4.50% 4.59%
5-Year: 4.50% 4.59%
  • $500 Minimum
  • Rates subject to change daily
  • For terms less than one year, interest is paid upon maturity (simple interest).
  • For terms one year or greater, interest is paid monthly (compound interest).
  • Penalty for early withdrawal -- loss of dividends earned.





Flex-Rate Certificates of Deposit
Term Rate APY
1-Year 4.05% 4.12%
2-Year 4.25% 4.33%
3-Year 4.25% 4.33%
Should the offered rate of the Share Certificate go up at anytime during its term, you may exercise your option one-time during the term of the Share Certificate for the higher rate.






Garden Savings FCU reserves the right to change the rates without notice.

Updated by NV on 08/26/2008 08:46:07