Tracy Federal Credit Union

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Tracy Federal Credit Union Rate Board

LOANS
Rates Effective as of April 1, 2010	TERM	APR AS LOW AS
NEW & USED VEHICLES	Up to 84 mo	5.00%
MOTORCYCLE LOANS	60 mo	9.00%
HOME EQUITY LOAN	Up to 180 mo	7.75%
HOME EQUITY LINE OF CREDIT	Revolving	4.50%
UNSECURED PERSONAL LOAN	48 mo	10.25%
CONSOLIDATION LOAN	Up to 48 mo	11.25%
LINE OF CREDIT	36 mo	10.50%
NEW & USED BOAT, RV, MOTORHOME	Up to 120 mo	7.75%
CERTIFICATE LOAN	Certificate Term	3.00% over CD rate
SHARE LOAN	Up to 60 mo	5.25%
VISA CLASSIC CREDIT CARD	Credit Card Payment = 3.50% of balance	9.99%

APR = Annual Percentage Rate

Rates and terms may vary based on individual credit rating and loan amount. Other restrictions may apply.

The maximum Annual Percentage Rate that any member will pay will not exceed 18%. Apply for a loan 24 hours a day, 7 days a week, from the convenience of your home or office, or even a car dealership. Call our Lending Center at 1 (800) 711-2284.

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

SHARE ACCOUNTS
Rates Effective as of April 1, 2010	MINIMUM / TIER	APR	(APY)
ALL SHARE ACCOUNTS	Up to $999	0.00%	0.00%
	$1,000-$9,999	0.35%	0.35%
	$10,000-$24,999	0.45%	0.45%
	$25,000-$49,999	0.65%	0.65%
	$50,000-$99,999	0.80%	0.80%
	$100,000 or greater	0.95%	0.95%
MONEY MARKET	Up to $2,499	0.00%	0.00%
	$2,500-$9,999	0.50%	0.50%
	$10,000-$24,999	0.60%	0.60%
	$25,000-$49,999	0.70%	0.70%
	$50,000-$74,999	0.80%	0.80%
	$75,000-$99,999	0.90%	0.90%
	$100,000 or greater	1.00%	1.01%
IRA SHARE ACCOUNT	N/A	0.50%	0.50%
HEALTH SAVINGS ACCOUNT	$250	1.00%	1.01%

APR = Annual Percentage Rate APY = Annual Percentage Yield

Rates, terms and conditions are subject to change.

This rate schedule states rates applicable to specified accounts. Dividends are credited to your account and compounded every month. This schedule is incorporated as a part of your account agreement with your Credit Union.

Minimum balance requirements apply to average daily balance (amount of principal in account each day). All savings rates are variable, this means the dividend rate and annual percentage yield may change at any time as determined by the Credit Union.

NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government NCUA National Credit Union Administration, a U.S. Government Agency

TERM CERTIFICATES AND IRA TERM CERTIFICATES
Rates Effective as of April 1, 2010	MINIMUM / TIER	TERM	REGULAR		IRA
Rates Effective as of April 1, 2010	MINIMUM / TIER	TERM	APR	(APY)	APR	(APY)
REGULAR CERTIFICATES	$1,000	3 Mo	0.50%	0.50%	0.50%	0.50%
		6 Mo	0.58%	0.58%	0.68%	0.68%
		12 Mo	0.95%	0.95%	1.05%	1.06%
		24 Mo	1.32%	1.33%	1.42%	1.43%
		36 Mo	1.73%	1.74%	1.83%	1.85%
PREMIUM CERTIFICATES	$10,000	6 Mo	0.88%	0.88%	0.98%	0.98%
		12 Mo	1.25%	1.26%	1.35%	1.36%
		24 Mo	1.62%	1.63%	1.72%	1.73%
		36 Mo	2.03%	2.05%	2.13%	2.15%

APR = Annual Percentage Rate APY = Annual Percentage Yield

Rates, terms and conditions are subject to change.

Member accounts are insured by the National Credit Union Administration (NCUA) up to $250,000.
IRA accounts are insured separately by NCUA up to an additional $250,000.

The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Unless otherwise stated, dividends will be credited to your account and compounded every month. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions or need rate information on your accounts, please call (209) 832-6450.

NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government NCUA National Credit Union Administration, a U.S. Government Agency

Tracy Federal Credit Union
951 Central Avenue,
Tracy, CA
(209) 832-6450
Copyright 2010