Rates

Rates

Loans | Savings | Certificates

Rates Effective: August 1, 2008

LOANS

First Mortgages
For daily mortgage rates, click here.

Vehicles (cars, trucks, vans, motorcycles)	APR*	Term
*New Models 2007 - 2008	5.25	60	Calculator
New Models 2007 - 2008 ($25,000 Minimum)	7.50	72	Calculator
Used Models 2004 - 2006 NADA Value	5.40	48	Calculator
Used Models 2004 - 2006 NADA Value ($15,000 Minimum)	5.90	60	Calculator
Used Models 2001 - 2003	6.40	48	Calculator
Used Models 2001 - 2003 ($15,000 Minimum)	6.90	60	Calculator

Home Equity Loans/Lines-of-Credit	APR*	Term
***Home Equity Line-of-Credit (Variable Rate)	6.00	n/a	Calculator
Second Mortgages - Member pays closing costs.	5.40	60	Calculator
Second Mortgages - Member pays closing costs.	6.40	120	Calculator
Second Mortgages - Member pays closing costs - 80% loan to value.	7.50	180	Calculator
Second Mortgages - CU pays closing costs - 80% loan to value.	5.90	60	Calculator
Second Mortgages - CU pays closing costs - 80% loan to value.	6.90	120	Calculator
Second Mortgages - CU pays closing costs - 80% loan to value.	7.90	180	Calculator
Home Improvement - Member pays closing costs - 90% loan to value.	6.50	60	Calculator
Home Improvement - Member pays closing costs - 90% loan to value.	7.40	120	Calculator
Home Improvement - Member pays closing costs - 90% loan to value.	8.40	180	Calculator
Home Improvement - CU pays closing costs - 90% loan to value.	6.90	60	Calculator
Home Improvement - CU pays closing costs - 90% loan to value.	7.90	120	Calculator
Home Improvement - CU pays closing costs - 90% loan to value.	8.90	180	Calculator

RVs and Boats	APR*	Term
**2008 Models - No Mileage	5.75	60	Calculator
New Models 2007 - 2008	5.75	60	Calculator
New Models 2007 - 2008 (100% financing up to $30,000) $15,000 Minimum	6.90	84	Calculator
New Models 2007 - 2008 (100% financing up to $30,000) $15,000 Minimum	7.90	120	Calculator
Used Models 2001 - 2006 NADA Value	6.40	36	Calculator
Used Models 2001 - 2006 NADA Value	6.90	60	Calculator
Used Models 2001 - 2006 NADA Value ($15,000 Minimum)	7.90	84	Calculator

Signature - Share Loans	APR*	Term
Signature	12.9	36	Calculator
Checking Line-of-Credit	10.4	36	Calculator
VISA	11.9	n/a	Calculator
Share Secured	3.75	36	Calculator

Snowmobiles, ATV's, etc.	APR*	Term
New Models (75% financing)	11.4	36	Calculator
Used Models (NADA Loan Value)	11.9	36	Calculator

*APR = Annual Percentage Rate. Based on 5.25% fixed Annual Percentage Rate for 60 months, your monthly payment would be $18.99 per $1000 borrowed. All loans subject to credit approval.
**Rate offer good on 2008 model boats with no miles.
***Rates and terms vary. Up to 144 months. Ask the credit union for the current index value and margin. Variable rates adjust semi-annually. The ANNUAL PERCENTAGE RATE cannot increase more than 6 percentage points above the initial rate. Property must be a single family primary residence located in Minnesota. Property insurance is required. If an appraisal is needed, member pays for the appraisal.

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Rates Effective: December 20, 2005

Savings	APY*	Term
IRAs--All balances	2.02	12
Shares (age 21 or under)--When the balance is $50 - $10,000	0.50	12
Shares--When the balance is $250 - $10,000	0.50	12
Shares--When the balance $10,000.01 - $50,000	1.00	12
Shares--When the balance exceeds $50,000	1.51	12
Member Vacation/Holiday (No minimum balance required)	0.50	12

DIVIDENDS ARE PAID AT THE END OF EACH CALENDAR QUARTER. Dividends are calculated on the daily balance and paid quarterly. No dividends are paid on share accounts with balances less than $250. (Minimum balance to earn dividends for ages 21 and under is $50.) Rates and terms are subject to change without notice. *APY = Annual Percentage Yield.
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Rates Effective: May 7, 2008

Certificates	APY*	Term
6 Month - $1000 Minimum	2.42	6
12 Months - $1000 Minimum	2.52	12
18 Months - $1000 Minimum	2.73	18
24 Months - $1000 Minimum	2.83	24
30 Months - $1000 Minimum	3.03	30
36 Months - $1000 Minimum	3.24	36

Talk to a credit union representative for more details at 763-569-4000.

Interest is paid quarterly and at maturity of the certificate to prime share or to the certificate. The APY assumes dividends remain in the account until maturity. Certificate rates remain fixed for the term of the certificate. Early withdrawal penalties and fees may reduce account earnings. Rates and terms are subject to change without notice. *APY = Annual Percentage Yield.

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