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Rate Information

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APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates
Rates as of 5/28/2008.
Rate Description Term Payment Description APR APR Type
60 MONTHS VEHICLE UP TO 60 MONTHS $19.39 per $1,000 60 mo 6.20% Fixed
72 MONTHS VEHICLE 72 months *restrictions apply $16.70 per $1,000 6.30% Fixed
Signature/Line of Credit Up to 36 months $30.91 per $1,000 7.50% Fixed
Secured by Share Account Set Fixed Rate $29.85 per $1,000 5.00% Fixed
Recreational Vehicles/Boats .75% above vehicle rates; length of note can vary $17.00 per $1,000 72 mo 6.95% Fixed
Education Up to three years $30.91 per $1,000 36 mo 7.50% Fixed
Home Equity 1 - 5 years $19.46 per $1,000 60 mo 6.50% Fixed
Home Equity 6 - 10 years $11.54 per $1,000 120 mo 7.00% Fixed
Secured by Share Certificate Flexible, 2 percent above CD rate depending on your certificate rate 0.00% Fixed

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Certificates
Rates as of 5/28/2008.
Rate Description Term Dividend Rates APY
$1000 or more 6 Months; Interest to Savings 3.00% 3.02%
$1000 - $39999 One Year; Interest to Savings 3.20% 3.22%
$40000 - $74999 One Year; Interest to Savings 3.25% 3.27%
$75000 or more One Year; Interest to Savings 3.30% 3.32%
$1000 - $39999 Two Years; Interest to Savings 3.40% 3.42%
$40000 - $74999 Two Years; Interest to Savings 3.45% 3.47%
$75000 or more Two Years; Interest to Savings 3.50% 3.52%
$1000 - $39999 Three Yrs; Interest to Savings 3.60% 3.62%
$40000-$74999 Three Yrs; Interest to Savings 3.65% 3.67%
$75000 or more Three Yrs; Interest to Savings 3.70% 3.72%
$1000 - $399909 Five Years; Interest to Savings 3.80% 3.82%
$40000 - $74999 Five Years; Interest to Savings 3.85% 3.87%
$75000 or more Five Years; Interest to Savings 3.90% 3.92%
$1000 or more 6 month compounding 3.00% 3.04%
$1000 - $39999 One Year; Compounding Interest 3.20% 3.25%
$40000-$74999 One Year; Compounding Interest 3.25% 3.30%
$75000 or more One Year; Compounding Interest 3.30% 3.35%
$1000 - $39999 Two Years; Compounding Interest 3.40% 3.45%
$40000 - $74999 Two Years; Compounding Interest 3.45% 3.50%
$75000 or more Two Years; Compounding Interest 3.50% 3.56%
$1000 - $39999 Three Year; Compounding Interest 3.60% 3.66%
$40000 - $74999 Three Year; Compounding Interest 3.65% 3.71%
$75000 or more Three Year; Compounding Interest 3.70% 3.76%
$1000 - $39999 Five Year; Compounding Interest 3.80% 3.87%
$40000-$74999 Five Year; Compounding Interest 3.85% 3.92%
$75000 or more Five Year; Compounding Interest 3.90% 3.97%

Dividends on Certificates are posted monthly. Early withdrawal penalties are:
6 month 30 days; 1 year 90 days; 2 year 180 days; 3 year 270 days; 5 year 365 days. Penalty may be taken out of the principal portion of the CD.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Savings/Shares Rates
Rates as of 5/28/2008.
Rate Description Term Dividend Rates APY
Savings Dividends paid quarterly 1.25% 1.26%

Dividends will not be paid on balances less than $10.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.
For general information or other questions: texhilco@ktc.com
Copyright 2008 - Texhillco School Employees FCU