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LOAN RATES

New Auto Rates
Model Year	APR*	Maximum Term
New 2009-2010	5.75%	72 Months*
New 2009-2010	5.50%	60 Months
New 2009-2010	5.00%	48 Months
New 2009-2010	4.75%	36 Months
*Rate/Term for loans greater than $15,000,  less than 15,000 miles

Used Auto Rates
Model Year	APR*	Maximum Term
Used 2008-2009	6.00%	72 Months*
Used 2009	5.75%	60 Months
Used 2008	5.75%	54 Months
Used 2006-2007	5.75%	48 Months
Used 2004-2005	5.75%	42 months
2003 & Older	5.75%	Negotiable
* Rate/Term for loans greater than $15,000, Less than 30,000 miles

New Recreational Vehicle Rates
Type	APR*	Term
New Recreational Vehicle Loan Rates 2009-2010	4.75%	36 months
	5.00%	48 months
	5.50%	60 months
	5.75%	72 months
	6.50%	73-119 Months
	7.00%	120-143 Months
	7.50%	144-179 Months
	8.00%	180 Months

Used Recreational Vehicle Rates
Type	APR*	Term
Used RV Loan Rates	5.75%	36 months
	5.75%	48 months
	5.75%	60 months
	6.00%	72 months
	6.75%	73-119 Months
	7.25%	120-143 Months
	7.75%	144-179 Months
	8.25%	180 Months

New Boat Rates
Type	APR*	Term
New Boat Loan Rates 2009-2010	4.75%	36 Months
	5.00%	48 Months
	5.50%	60 Months
	5.75%	72 Months
	6.50%	73 to 119 Months
	7.00%	120 to 143 Months
	7.50%	144 to 179 Months
	8.00%	180 Months

Used Boat Rates
Type	APR*	Term
Used Boat Loan Rates	5.75%	36 Months
	5.75%	48 Months
	5.75%	60 Months
	6.00%	72 Months
	6.75%	73 to 119 Months
	7.25%	120 to 143 Months
	7.75%	144 to 179 Months
	8.25%	180 Months

New Motorcycle Rates
Type	APR*	Term
New Motorcycle Loan Rates 2009-2010	4.75%	36 Months
	5.00%	48 Months
	5.50%	60 Months

Used Motorcycle Rates
Type	APR*	Term
Used Motorcycle Loan Rates	5.75%	36 Months
	5.75%	48 Months
	5.75%	60 Months

New ATV Rates
Type	APR*	Term
New All-Terrain Vehicle Rates	4.75%	36 Months
	5.00%	48 Months
	5.50%	60 Months

Used ATV Rates
Type	APR*	Term
Used All-Terrain Vehicle Rates	5.75%	36 Months
	5.75%	48 Months
	5.75%	60 Months

SIGNATURE LOAN RATES

Revolving Line of Credit
Name	Type	APR*	Maximum Rate (Variable)
Revolving Line of Credit	Variable	6.25%	14.00%

Signature Loan Rate
Name	APR*	Type
Signature Loan	15.00%	Fixed

Overdraft Protection Line of Credit
Name	APR*	Type
Overdraft Protection Line of Credit	15.00%	Fixed

Save Green Signature Loan Rates
Effective Date: 02/01/2010
Name	APR*	Type	Term
Signature Loan $0 - $2,500	7.99%	Fixed	24 month
Signature Loan $2,501 - $5,000	8.99%	Fixed	36 month
Signature Loan $5,001 - $10,000	9.99%	Fixed	36 month
Signature Loan $10,001 - $15,000	10.99%	Fixed	48 month
Signature Loan $10,001 - $15,000	11.99%	Fixed	60 month
Signature Loan $10,001 - $15,000	12.99%	Fixed	72 month
* Annual Percentage Rate

Michigan Saves Loan Rates
Effective Date: 02/15/2010
Name	APR*	Type	Term
Rates Effective 2/15/2010
Michigan Saves $0 - $2,500	6.99**	Fixed	24 month
Michigan Saves $2,501 - $5,000	7.99**	Fixed	36 month
Michigan Saves $5,001 - $10,000	8.99**	Fixed	36 month
Michigan Saves $10,001 - $15,000	9.99**	Fixed	48 month
Michigan Saves $10,001 - $15,000	10.99**	Fixed	60 month
Michigan Saves $10,001 - $15,000	11.99**	Fixed	72 month
* Annual Percentage Rate
**Rates Subject to Change
SPECIAL RATES AND TERMS FOR CHERRYLAND ELECTRIC COOPERATIVE MEMBERS PARTICIPATING IN MICHIGAN SAVES CHERRYLAND PILOT !

SECURED LOAN RATES

Secured Loan
Name	APR*	Type
Snowmobile	8.50%	Fixed
Tractor	8.50%	Fixed
Personal Computer	8.50%	Fixed
Fully Secured Collateral	8.50%	Fixed

Share Secured Loan
Name	APR*	Type
Share Secured Loan	5.00%	Fixed

CD Secured Loan
Name	APR*	Type
CD Secured Loan	CD rate + 2%	Fixed

Credit Card Rates
Type	Purchase APR+	Balance Tfr. APR+	Cash Adv. APR+	Min. Fin. Charge	Annual Fee	Grace Period Purchases	Late Pmt. Fee	Over Limit Fee	Computation Method**
Classic	13.96*	13.96*	13.96*	None	None	25 Days	$10.00	None	Average Daily Balance
Gold ++	9.96*	9.96*	9.96*	None	None	25 Days	$10.00	None	Average Daily Balance
Platinum +++	8.96*	8.96*	8.96*	None	None	25 Days	$10.00	None	Average Daily Balance
+ Interest Rate Based On Approval
++ Variable Rate Information - Your APR for purchase transactions may vary. The rate for a MasterCard Gold or Visa Gold is determined monthly by adding 7% to the 3 Month Treasury Bill (Yearly Adjustable Rate)
+++ Variable Rate Information - Your APR for purchase transactions may vary. The rate for a MasterCard Platinum or Visa Platinum is determined monthly by adding 4.5% to the 3 Month Treasury Bill. (Yearly Adjustable Rate)
* Annual Percentage Rate
** Average Daily Balance Including New Purchases
International Transaction Fee - Up to 1% of Foreign Transactions

Share Secured Credit Card Rates
Type	Purchase APR+	Balance Tfr. APR+	Cash Adv. APR+	Min. Fin. Charge	Annual Fee	Grace Period Purchases	Late Pmt. Fee	Over Limit Fee	Computation Method**
Classic	13.96*	13.96*	13.96*	None	None	25 Days	$10.00	None	Average Daily Balance
Platinum	8.99*	8.99*	8.99*	None	None	25 Days	$10.00	None	Average Daily Balance
+    Interest Rate Based On Approval
* Annual Percentage Rate
** Average Daily Balance Including New Purchases
International Transaction Fee - Up to 1% of Foreign Transactions

SAVINGS & INVESTMENTS

Savings Accounts
Account	Minimum Balance for Yield	Rate	Dividend & Interest
Member Junior Share	$5.00	0.10%	Dividend calculated daily, compounded and credited every quarter
Member Share	$100 - $2,499	0.10%	Dividend calculated daily, compounded and credited every quarter
Member Share	$2,500 - 4,999	0.20%	Dividend calculated daily, compounded and credited every quarter
Member Share	$5,000 - 9,999	0.30%	Dividend calculated daily, compounded and credited every quarter
Member Share	$10,000 +	0.50%	Dividend calculated daily, compounded and credited every quarter

Savings Rates
Account	Rate	APY*	Daily Minimum Balance
Member Junior Share	0.10%	0.10%	$5.00
Member Share	0.10%	0.10%	$100 - 2,499
	0.20%	0.20%	$2,500 - 4,999
	0.30%	0.30%	$5,000 - 9,999
	0.50%	0.50%	$10,000 +
Direct Share	0.10%	0.10%	$100 - 2,499
	0.20%	0.20%	$2,500 - 4,999
	0.30%	0.30%	$5,000 - 9,999
	0.50%	0.50%	$10,000 +
Interest Share	0.10%	0.10%	$100 - 2,499
	0.20%	0.20%	$2,500 - 4,999
	0.30%	0.30%	$5,000 - $9,999
	0.50%	0.50%	$10,000 +
Mature Share	0.10%	0.10%	$100 - 2,499
	0.20%	0.20%	$2,500 - 4,999
	0.30%	0.30%	$5,000 - $9,999
	0.50%	0.50%	$10,000 +
Daily Dividend	0.10%	0.10%	$0.00
Vacation Fund	0.10%	0.10%	$0.00
Christmas Club	0.10%	0.10%	$0.00
* Annual Percentage Yield

Individual Retirement Account Rates
Account	Minimum Deposit to Open	Rate	APY*
IRA - Traditional	$0	0.75%	0.75%
IRA - Roth	$0	0.75%	0.75%
IRA - Roth Conversion	$0	0.75%	0.75%
IRA - Education	$0	0.75%	0.75%
* Annual Percentage Yield

Money Market Share Rates
Account	Minimum Balance for Yield	Rate	APY*	Dividend & Interest
Money Market Shares	$1,000 - 4,999	0.20%	0.20%	Dividend calculated daily, compounded and credited every month
	$5,000 - 9,999	0.40%	0.40%	Dividend calculated daily, compounded and credited every monthly
	$10,000 +	0.60%	0.60%	Dividend calculated daily, compounded and credited every monthly
* Annual Percentage Yield

Individual Retirement Account CD Rates
Name	Term	Minimum Deposit to Open	Rate	APY*
Traditional	12 month	$500	0.75%	0.75%
	24 month	$500	1.00%	1.00%
	60 month	$500	1.50%	1.51%
	12 month jumbo	$25,000	1.50%	1.51%
	36 month jumbo	$25,000	2.00%	2.02%
	48 month jumbo	$25,000	2.25%	2.27%
	60 month jumbo	$25,000	2.50%	2.53%
Roth	12 month	$500	0.75%	0.75%
	24 month	$500	1.00%	1.00%
	60 month	$500	1.50%	1.51%
	12 month jumbo	$25,000	1.50%	1.51%
	36 month jumbo	$25,000	2.00%	2.02%
	48 month jumbo	$25,000	2.25%	2.27%
	60 month jumbo	$25,000	2.50%	2.53%
Roth Conversion	12 month	$500	0.75%	0.75%
	24 month	$500	1.00%	1.00%
	60 month	$500	1.50%	1.51%
	12 month jumbo	$25,000	1.50%	1.51%
	36 month jumbo	$25,000	2.00%	2.02%
	48 month jumbo	$25,000	2.25%	2.27%
	60 month jumbo	$25,000	2.50%	2.53%
Educational	24 month	$500	1.00%	1.00%
* Annual Percentage Yield

Certificate of Deposit
Term	Minimum Deposit to Open	Rate	APY*
3 month	$500	0.25%	0.25%
6 month	$500	0.50%	0.50%
12 month	$500	0.75%	0.75%
18 month	$1,000	0.75%	0.75%
24 month	$1,000	1.00%	1.00%
60 month	$1,000	1.50%	1.51%
12 month jumbo	$25,000	1.50%	1.51%
24 month jumbo	$25,000	1.75%	1.76%
36 month jumbo	$25,000	2.00%	2.02%
48 month jumbo	$25,000	2.25%	2.27%
60 month jumbo	$25,000	2.50%	2.53%
* Annual Percentage Yield
Interest calculated daily, compounded and credited every month

Bonus CD Rate for Direct Checking & Interest Checking
Term	Minimum Deposit to Open	Rate	APY*
3 month	$500	0.50%	0.50%
6 month	$500	0.75%	0.75%
12 month	$500	1.00%	1.00%
* Annual Percentage Yield

FEATURED RATES

Featured Rates
Name	Rate	Term
New Autos	6.00%*	72 months**
Used Autos	6.00%*	60 months**
Mortgages	5.70%*	7/30 year**
Home Equity Platinum	4.50%* Variable	Revolving
**Maximum Term Available

MORTGAGE RATES

Mortgage Rates
Name	Term	APR*
First Mortgage Products	10 Year Amortization	5.00%
	15 Year Amortization	5.50%
	5 Yr Balloon/ 25 Yr Amortization	5.50%
	7 Yr Balloon/ 30 Yr Amortization	5.50%
	10 Yr Balloon/ 30 Yr Amortization	5.75%
Mobile Homes on Private Property	5 Yr Balloon/ 20 Yr Amortization	6.40%
Vacant Land	5 Yr Balloon/ 15 Yr Amortization	8.50%
Construction Loan	9 months (Interest only)	7.00%

Home Equity Loan Rates
Name	APR*	Maximum Rate (Variable)
Home Equity	6.75%	N/A
Home Equity Line of Credit	7.50%	14.00%
Platinum Line of Credit	4.50%	14.00%
Members Choice Line of Credit	5.50%	14.00%

Save Green Home Equity Loan Rates
Effective Date: 07/01/2009
Name	APR*	Type	Term
Home Equity Loan $5,000 - $10,000	7.00%	Fixed	60 months
Home Equity Loan $10,001 - $25,000	7.00%	Fixed	90 months
Home Equity Loan $25,001 +	7.00%	Fixed	120 months
* Annual Percentage Rate
Home Equity Loans for members seeking to increase the energy efficiency of their home!                                                                                                          Apply Today!

INTEREST CHECKING

Interest Checking Rates
Account	Rate	APY*	Daily Minimum Balance
Interest Checking	0.10%	0.10%	$2,500 - 4,999
	0.30%	0.30%	$5,000 - 9,999
	0.50%	0.50%	$10,000 +

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