Rates - Statewide Federal Credit Union

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	Min. Balance	Dividend Rate	APY
Dividends are compounded and declared monthly based on available earnings, computed on the average daily balance APY=Annual Percentage Yield *Interest is calculated daily
Regular Shares	$5	.15%	.150%
Christmas Club	$0	.15%	.150%
Money Management Account	$2500	.50%	.501%
IRA Shares	$0	.65%	.652%

Term	Min. Deposit	Dividend Rate	APY
APY=Annual Percentage Yield Penalties for early withdrawal *All rates subject to change without notice
60 Month	$1,000	2.15%	2.171%
48 Month	$1,000	1.89%	1.906%
36 Month	$1,000	1.69%	1.703%
30 Month	$1,000	1.49%	1.500%
24 Month	$1,000	1.25%	1.257%
18 Month	$1,000	.85%	.853%
12 Month	$1,000	.70%	.702%
6 Month	$1,000	.55%	.551%

A+ Credit	A Credit	B Credit	C Credit	D Credit
All rates in this table are APR=Annual Percentage Rate Subject to credit approval *For more information about credit card fees, click here
7.95%	9.25%	12.25%	14%	17%

Term	APR
*APR=Annual Percentage Rate
10 Year	Call for current rates
15 Year	Call for current rates
20 Year	Call for current rates
30 Year	Call for current rates

Rate	APR
LTV=Loan-to-value Ratio Rates effective: Feb 1, 2009 *APR=Annual Percentage Rate
80% LTV*	5%

Term	A+ Credit	A Credit	B Credit	C Credit	D Credit	E Credit
All rates in this table are APR=Annual Percentage Rate Subject to credit approval
1-24 Months	1.49%	2.89%	6.15%	9.15%	14.75%	17.75%
25-36 Months	2.49%	3.15%	6.50%	9.50%	14.90%	17.75%
37-48 Months	2.59%	3.49%	6.75%	9.99%	15.25%	17.75%
49-66 Months	2.99%	3.99%	7.49%	10.49%	15.75%	18.00%
67-72 Months	4.99%	5.49%	7.99%	11.50%	16.50%	18.00%
73-84 Months	5.99%	6.49%	8.15%	13.50%	16.99%	18.00%

Term	A+ Credit	A Credit	B Credit	C Credit	D Credit	E Credit
All rates in this table are APR=Annual Percentage Rate Subject to credit approval
1-24 Months	1.49%	2.89%	6.15%	9.15%	14.75%	17.75%
25-36 Months	2.49%	3.15%	6.50%	9.50%	14.90%	17.75%
37-48 Months	2.59%	3.49%	6.75%	9.99%	15.25%	17.75%
49-66 Months	2.99%	3.99%	7.49%	10.49%	15.75%	18.00%
67-72 Months	4.99%	5.49%	7.99%	11.50%	16.50%	18.00%

Term	Min. Loan	A+ Credit	A Credit	B Credit	C Credit	D Credit	E Credit
All rates in this table are APR=Annual Percentage Rate Subject to credit approval
1-24 Months	None	1.49%	2.89%	6.15%	9.15%	14.75%	17.75%
25-36 Months	None	2.49%	3.15%	6.50%	9.50%	14.90%	17.75%
37-48 Months	None	2.59%	3.49%	6.75%	9.99%	15.25%	17.75%
49-66 Months	None	2.99%	3.99%	7.49%	10.49%	15.75%	18.00%
67-72 Months	None	4.99%	5.49%	7.99%	11.50%	16.50%	18.00%
73-84 Months	$30,000 or more	5.99%	6.49%	8.15%	13.50%	16.99%	18.00%
Up to 120 Months	$30,000 or more	6.49%	6.99%	8.50%	14.50%	17.25%	18.00%

Term	A+ Credit	A Credit	B Credit	C Credit	D Credit	E Credit
All rates in this table are APR=Annual Percentage Rate Subject to credit approval
1-24 Months	1.49%	2.89%	6.15%	9.15%	14.75%	17.75%
25-36 Months	2.49%	3.15%	6.50%	9.50%	14.90%	17.75%
37-48 Months	2.59%	3.49%	6.75%	9.99%	15.25%	17.75%
49-60 Months	2.99%	3.99%	7.49%	10.49%	15.75%	18.00%

Term	A+ Credit	A Credit	B Credit	C Credit	D Credit	E Credit
All rates in this table are APR=Annual Percentage Rate Subject to credit approval
Up to 36 Months	7.95%	9.95%	12%	14.50%	16.50%	18%

Term	A+ Credit	A Credit	B Credit	C Credit	D Credit	E Credit
All rates in this table are APR=Annual Percentage Rate Subject to credit approval
Up to 36 Months	8.95%	10.95%	12.50%	15.00%	17.00%	18.00%

Share Savings Secured	Dividend Rate + 3%
All rates in this table are APR=Annual Percentage Rate Subject to credit approval
Share Certificate Secured	Dividend Rate + 3%

Term	Max. Loan	A+ Credit	A Credit	B Credit	C Credit	D Credit	E Credit
All rates in this table are APR=Annual Percentage Rate Subject to credit approval
60 Months	$50,000	6.75%	7.50%	8.75%	12.50%	16.50%	18.00%

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