Member Rates

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Effective as of January 13, 2009

Account Type	APR	APY
Regular Shares	.50%	.50%
Christmas Club	.50%	.50%
90 Day Investment Account ($500 or more)	1.00%	1.01%

($5,000 or more)

Effective as of May 1, 2010

Term of CD	APR	APY
182 Days	1.25%	1.26%
One Year	1.50%	1.51%
Two Years	1.75%	1.76%

Effective as of March 1, 2009

Loan Type	APR Range
New Auto, Truck or Boat ('09) 36 mos. - 48 mos. - 60 mos. - 72 mos. (Over $25,000) -	3.99% - 6.29% 4.49% - 7.79% 4.49% - 8.79% 5.49% - 9.35%
Used Auto, Truck or Boat ('08-'07) 48 mos. - 60 mos. -	5.99% - 8.45% 5.99% - 10.00%
Used Auto, Truck or Boat ('06-'05) 42 mos. - 48 mos. -	6.49% - 9.90% 6.49% - 10.75%
Used Auto, Truck or Boat (2004 & older)	7.49% - 11.95%
Signature (3-36 mos.)	9.00% - 15.75%
Real Estate Adjustable Rate (HELOC) - Fixed Rate/10-Year - Fixed Rate/15-Year - Fixed Rate/20-Year - 5 Year Fixed - One year ARM - 5 year Balloon (up to 30 yrs) -	5.00% - 6.50% 5.00% - 6.50% 5.25% - 7.50% 5.50% - 7.55% 4.90% - 5.75% 4.90% - 5.50%
Share-Certificate Loans - 2% above account rate
Recreational Vehicles & Farm Equipment 80% Value - 90% Value - 100% Value -	5.49% - 11.05% 5.49% - 12.05% 6.49% - 13.05%
Motorcycles 80% Value - 90% Value - 1100% Value -	5.49% - 12.65% 5.49% - 12.90% 6.49% - 13.15%

APR=Annual
Percentage Rate

APY=Annual
Percentage Yield

Rates subject to change at any time.

We do business
in accordance with
the Federal Fair
Housing Law and the
Equal Credit
Opportunity Act.

APR=Annual
Percentage Rate

Rates subject to change at any time.

All Loans are subject
to credit worthiness.

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©Copyright 2009 Employee Resources Credit Union. All Rights Reserved. 1604 Remke Ave., P.O. Box 987, Lawrenceburg, TN 38464 (931) 766-9288 Fax: (931) 762-0583
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.		We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.