Wor-Co Federal Credit Union Savings Rates Effective Date: April 1, 2011

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Account Type Dividend Rate Annual Percentage Yield
Regular Shares 0.25% 0.25%

The dividend rate and the annual percentage yield may change every month. Dividends will be compounded every quarter and credited to your account every quarter.

	Minimum Balance	Rate	Yield
6 Month Certificate	500.00	0.50%	0.50%

12-17 Month Certificate	500.00	0.75%	0.75%

18-23 Month Certificate	500.00	0.75%	0.75%

24-35 Month Certificate	500.00	1.00%	1.00%

36-59 Month Certificate	500.00	1.00%	1.00%

60 Month Certificate	500.00	2.00%	2.02%

ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE!

Currently Available
VACATION OR EDUCATION LOAN*
10 PAYMENTS, 10% APR, $3,000 LIMIT
*Offered for a limited time. Subject to credit approval.

NEW VEHICLE
TERM TO 72 MONTHS
LOW RISK 3.49% AVERAGE RISK 3.74% HIGH RISK 5.74% HIGHEST RISK 6.74%

TERM TO 84 MONTHS FOR VEHICLES OVER $30,000

LOW RISK 4.00% AVERAGE RISK 4.00% HIGH RISK 6.00% HIGHEST RISK 7.00%

USED VEHICLE
UP TO 4 YR OLD = 60 MONTHS OVER 4 YR OLD = 48 MONTHS
LOW RISK 3.74% AVERAGE RISK 4.00% HIGH RISK 7.00% HIGHEST RISK 8.00%
Used vehicle value will be based on NADA average retail.

ANY VEHICLE OVER FIVE YEARS WILL BE PRICED AS UNSECURED
(RISK BASED ON CREDIT SCORE)

LOAN TERMS
12 MONTHS = $1.00 – 1,000.00
24 MONTHS = $1,001.00 – 2,500.00
36 MONTHS = $2,501.00 - $5,000.00
48 MONTHS = $5,001.00 - $7,500.00
60 MONTHS = $7,501 - $10,000
Terms may be adjusted lower within stated $ limits effective January 2011

Consumer Reporting Scores
to Price Unsecured Loans

700+                  LOWEST RISK                  10.00%
650 – 699                  LOW RISK                      12.00%
600 – 649             AVERAGE RISK                14.00%
551 – 599                 HIGH RISK                      16.00%
*0 – 550             HIGHEST RISK                  18.00%
*NOT SCORED