Rates

Home Equity Loan Rates- 2nd Mortgage
Rates Valid Through OCT. 22, 2007
5 Year Term (Fixed)	6.34%
10 Year (Fixed)	7.16%
*Line Of Credit (Var.)	6.39%

THINKING ABOUT APPLYING FOR A MORTGAGE? CALL THE CREDIT UNION AND WE WILL SEND YOU AN APPLICATION RIGHT AWAY!

*LOC: MAX. INTEREST RATE IS **15% AND RATES ARE ADJUSTED EVERY QUARTER.

ALL HOME EQUITY LOANS ARE BASED ON 85% LTV (LOAN TO VALUE)

(**Not including penalty pricing, on the LOC Visa, which could go as high as 18%)

eqlhs2.gif (614 bytes)

WE DO BUSINESS IN ACCORDANCE WITH THE FEDERAL FAIR HOUSING LAW AND THE EQUAL CREDIT OPPORTUNITY ACT

XTREE2.gif (1897 bytes)


Term:	2 Years		3 Years		4 Years		5 Years		6 Years	Must borrow over $16,000
	APR	*PMT. EXAMPLE	APR	*PMT. EXAMPLE	APR	*PMT. EXAMPLE	APR	*PMT. EXAMPLE	APR	*PMT. EXAMPLE
New	4.99%	$701.51	4.99%	$479.24	4.99%	$368.23	4.99%	$301.74	5.99%	$264.96
2006	4.99%	$701.51	4.99%	$479.24	4.99%	$368.23	4.99%	$301.74	n/a	n/a
2005	5.49%	$705.06	5.49%	$482.81	5.49%	$371.85	5.99%	$309.09	n/a	n/a
2004	5.49%	$705.06	5.49%	$482.81	5.99%	$375.49	5.99%	$309.09	n/a	n/a
2003	5.49%	$705.06	5.49%	$482.81	5.99%	$375.49	5.99%	$309.09	n/a	n/a
2002	5.99%	$708.62	5.99%	$486.40	5.99%	$375.49	6.49%	$312.81	n/a	n/a
2001	5.99%	$708.62	5.99%	$486.40	6.49%	$379.15	n/a	n/a	n/a	n/a
2000	5.99%	$708.62	6.49%	$490.01	n/a	n/a	n/a	n/a	n/a	n/a
1999-	5.99%	$708.62	6.49%	$490.01	n/a	n/a	n/a	n/a	n/a	n/a

Your Rates COULD BE HIGHER Depending On Your Credit Score per. Trans Union Credit Bureau (see below). Rates depicted in graph are for scores 800 and above

Scores 700-799 add .50%
Scores 650-699 add 1.50%
Scores 575-649 add 3.00%
Scores 550-574 and bankrupts less than 5 yrs old add 4.50%
Scores 549 and below add 6.50%

*Payment example: based on a $16,000 loan

RATE SPECIAL ONLY APPLIES TO NEW LOANS TO THE CREDIT UNION

*The Credit Union is also now offering 72 month terms on new vehicles for $16,000.00 on up! Rate is 1% higher on 72 month term loans.

Eligibility does depend on each members individual credit score. Call the loan department for details.

_____________________________________________________

MOTORCYCLE, RV & NEW BOAT RATES

CREDIT SCORE	A+ & A (700+)	B (650-699)	C (575-649)	D (550-574)
$10,000+	6.50%	7.50%	10.00%	10.75%
$5,000-$9,999	6.25%	7.25%	9.75%	10.50%
$4,999 & below	6.00%	7.00%	9.50%	10.25%

* Increase rate by .50% for 2002 and older units

$16,000+	72 months
$10,000-$15,999	66 months
$5,000-$9,999	60 months
$4,999 & below	48 months

$25,000+	144 months
$15,000 - $24,999	120 months
$14,999 & below	96 months

__________________________________________________________________________


MEFCU Visa Card	11.90% A.P.R. 4.99% on balance x-fers
Share Secured Loans	3% Over Earned Dividend Rate
Stock Secured Loans	8.00% A.P.R.
Personal Loans	12.50% A.P.R.
Appliance Loans	13.00% A.P.R.

Your Rate Could Be Higher on our personal loans Depending On Your Credit History.


	Dividend Rates	Annual Percentage Yield
Regular Savings Accounts (minimum balance of $5.00)	1.737%	1.750%
Special Savings Accounts	1.737%	1.750%
Christmas Club Accounts	1.737%	1.750%
Vacation Club Accounts	1.737%	1.750%
Share Draft (Checking) Accounts	1.243%	1.250%

Rates may change after account is open
All variable rate accounts pay monthly dividends
Fees may reduce earnings

6 mo. at 6% CD promo!!

For a limited time we are offering this CD special to new money brought into the Credit Union only. For details contact a member service representative.


	Dividend Rates	Annual Percentage Yield
6 Month Certificate	4.410%	4.500%
12 Month Certificate	4.650%	4.750%
24 Month Certificate	4.746%	4.850%
36 Month Certificate	4.842%	4.950%
48 Month Certificate	4.894%	5.000%
60 Month Certificate	5.033%	5.150%

Minimum deposit amount of $500.00

Amount Of Penalty: For Certificate accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:

Terms of 1 year or less, 7 days dividends on amount withdrawn or all dividends that have been earned (not to exceed 30 days dividends), whichever is greater.
Terms of more than 1 year, 7 days dividends on amount withdrawn or all dividends that have been earned (not to exceed 90 days dividends), whichever is greater.

For more information call the Credit Union or refer to our Certificate Account Rate & Fee Schedule.

Marsh EFCU welcomes your comments and questions.

THIS CREDIT UNION IS FEDERALLY INSURED BY THE NATIONAL CREDIT UNION ASSOCIATION