Personalized Loan Pricing Rates are effective November 18, 2008 and are subject to change.  See notices page. The Annual Percentage Rate (APR) you receive will be within the range disclosed below and is based on your credit worthiness.	Daily Periodic Rate Range	APR* Range	Approx. Terms (in months)
Home Equity - Fixed Rate (80% L-T-V)	0.013671%-0.041096%	4.99%-15.00%	01-60
Home Equity - Fixed Rate (80% L-T-V)	0.014384%-0.041096%	5.25%-15.00%	61-120
Home Equity - Fixed Rate (80% L-T-V)	0.015068%-0.041096%	5.50%-15.00%	121-180
Home Equity - Fixed Rate (90% L-T-V)	0.016411%-0.041096%	5.99%-15.00%	01-60
Home Equity - Fixed Rate (90% L-T-V)	0.017123%-0.041096%	6.25%-15.00%	61-120
Home Equity - Fixed Rate (90% L-T-V)	0.017808%-0.041096%	6.50%-15.00%	121-180
New Vehicles	0.012602%-0.049315%	4.60%-18.00%	01-36
New Vehicles	0.012876%-0.049315%	4.70%-18.00%	37-48
New Vehicles	0.013150%-0.049315%	4.80%-18.00%	49-60
New Vehicles (Amount $20,000-$35,000)	0.013698%-0.049315%	5.00%-18.00%	61-72
New Vehicles (Amount $35,000+)	0.015068%-0.049315%	5.50%-18.00%	01-84
Used Vehicles (2007-2008)	0.013150%-0.049315%	4.80%-18.00%	01-60
Used Vehicles (2005-2008)	0.012876%-0.049315%	4.70%-18.00%	01-48
Used Vehicles (2002-2008)	0.012602%-0.049315%	4.60%-18.00%	01-36
Used Vehicles (2002-2008) (Amount $20,000-$35,000)	0.013698%-0.049315%	5.00%-18.00%	01-72
Used Vehicles (2002-2008) (Amount $35,000+)	0.015068%-0.049315%	5.50%-18.00%	01-84
Used Vehicles (2005-2008) (Amount > $20,000)	0.015068%-0.049315%	5.50%-18.00%	73-84
All Other Models (1990-2001) As listed in NADA Official Older Used Car Guide	0.015041%-0.049315%	5.49%-18.00%	01-36
Line-of-Credit/Signature	0.020547%-0.049315%	7.50%-18.00%	01-36
Line-of-Credit/Signature	0.021232%-0.049315%	7.75%-18.00%	37-48
Line-of-Credit/Signature	0.022602%-0.049315%	8.25%-18.00%	49-60
Line-of-Credit/Signature (Amounts > $15,000)	0.023287%-0.049315%	8.50%-18.00%	61-72
VISA Credit Card	0.019151%-0.049315%	6.99%-18.00%	2.75% of balance or $15.00 (whichever is less)
VISA Rewards ScoreCard	0.024630%-0.049315%	8.99%-18.00%	2.75% of balance or $15.00 (whichever is less)
Loans (effective January 1, 2008)	Daily Periodic Rate	APR*	Approx. Terms (in months)
Home Equity Line-of-Credit Variable Interest Rate  (Up to  - $5,000.00)	SEE **	SEE **	up to 60
Home Equity Line-of-Credit Variable Interest Rate ($5,000.01 - $10,000.00)	SEE **	SEE **	up to 90
Home Equity Line-of-Credit Variable Interest Rate ($10,000.01 - $15,000.00)	SEE **	SEE **	up to 120
Home Equity Line-of-Credit   Variable Interest Rate ($15,000.01 - $20,000.00)	SEE **	SEE **	up to 180
Home Equity Line-of-Credit  Variable Interest Rate (20,000.01 - $150,000.00)	SEE **	SEE **	up to 240
Computer	0.02191%	8.00%	01-24
Shares Secured	0.01095%	4.00%	01-36
Shares Secured	0.01643%	6.00%	01-60
Share Certificate Secured	SEE ***	SEE ***	01-84
Education	.021912%	8.00%	01-48

Dividend Rates	Dividend Rate	APY*	Term
Regular Share (July 2008 - September 2008)**	0.750	0.760	n/a
12 Month Pay Club (Posted at disbursement)	0.500	0.500	12
Holiday Club (Posted at disbursement)	0.500	0.500	12
riverset Money Market - $5,000 - $24,999.99   (October 1, 2008 - October 31, 2008)***	2.250	2.270	n/a
riverset Money Market - $25,000+                    (October 1, 2008 - October 31, 2008)***	3.000	3.040	n/a
Vacation Club (July 2008 - September 2008)	0.500	0.510	n/a
riverset Free Checking Account	0.000	0.000	n/a
Checking with Interest (October 1, 2008 - October 31, 2008)****	1.750	1.760	n/a
IRA Share Accumulation (July 2008 - September 2008)**	3.000	3.010	n/a

* APY = Annual Percentage Yield **$100 minimum deposit to earn dividend    ***Dividends will not be posted if: (1) the account is closed before the monthly dividend is posted, and (2) the account drops below $5,000 on any day during the month, the account will not earn a dividend for that day(s) only. ****$1500 average daily balance, Direct Deposit of net paycheck, Visa Debit Card, eStatement and Bill Pay enrollment required to earn dividend. The rate and the APY are subject to change. Back to Top

Share Certificates                                       (Rates as of November 18, 2008)	Dividend Rate	APY*	Term (in months)
6 Month	3.000	3.020	6
One Year	3.250	3.290	12
Two Year	3.350	3.390	24
Three Year	3.600	3.650	36
Four Year	3.750	3.800	48
Five Year	4.050	4.110	60

* APY = Annual Percentage Yield The rate and the APY are subject to change. $500.00 minimum deposit to open a share certificate and obtain the APY. Back to Top

IRA Certificates                                                  (Rates as of November 18, 2008)	Dividend Rate	APY*	Term (in months)
6 Month	3.000	3.020	6
One Year	4.910	5.000	12
Two Year	3.350	3.390	24
Three Year	3.600	3.650	36
Four Year	3.750	3.800	48
Five Year	4.050	4.110	60

* APY = Annual Percentage Yield The rate and the APY are subject to change. $500.00 minimum deposit to open an IRA certificate and obtain the APY. Back to Top

* APR = Annual Percentage Rate.  Low end of range shown may include the rate given to members with an 'A+' credit score (775 & up).  Your actual APR or APY may vary based on a review of your credit application.  Rate ranges may also include a promotional .25% rate reduction given to members having Direct Deposit of their net pay into their credit union account.   Quarter-percent rate reduction is currently given on Auto Loans, Signature Loans, and Personal Lines of Credit only.  (Does not include Home Equity Lines of Credit, Educational Loans, Computer Loans etc.)  See branch for details and contact riverset credit union to find out more about the benefits of Direct Deposit today.  We would also be happy to discuss how you might improve your credit score.

**Home Equity Line-of-Credit  - The Annual Percentage Rate(APR) is based on the value of an index.  The index is the Prime Rate published in the Money Rates column of the Wall Street Journal.  When a range of rates has been published the highest rate will be used.  We will use the most recent index available to us as of 30 days before the date of any annual percentage rate adjustment.  To determine the annual percentage rate that will apply to your account, we add a margin to the value of the index.  If the rate is not rounded, we then round up to the next  .25%.  The annual percentage rate can change semi-annually on the first day of May and November.  The rate cannot increase or decrease more than 1.0 percentage point at each adjustment.  The Maximum Annual Percentage Rate that can apply is 15.0% or the maximum by law, whichever is less.  However, under no circumstance will your Annual Percentage Rate go below 3.0% at anytime during the term of the plan.  Your payment will never be less than $50.00, or the full amount that you owe.

***Share Certificate Secured - The Annual Percentage Rate(APR) is based on the dividend rate being paid on the certificate   offered as security (INDEX)plus 2.00 percentage points(MARGIN). Certificates offered as security must be renewed until advance is completely paid. When certificate is renewed as required, the APR will change to reflect the new dividend rate. If the certificate is not renewed as required, the proceeds of the certificate will be applied towards the advance and any balance will become immediately due and payable. Any increase in the APR will result in more payments of the same amount. The present APR and Daily Periodic Rate will be disclosed on the voucher. The APR will never be lower than 4.00% or more than allowed by law.

• The amount and due date of your payment will be established at the time of each advance and will be disclosed on the voucher accompanying the advance.
• Your minimum payment will never be less than $30.00 monthly (exception: HELOC)
• Collection costs:  You promise to pay all costs of collection the amount you owe under this agreement including court costs and reasonable attorney fees.

• Preferred Rate:  You will receive a discount of 0.25% on your Annual Percentage Rate (APR) if you have your net check directly deposited at the credit union for the following loans:  Vehicle and Line-of-Credit/Signature.  If you discontinue your direct deposit of net pay, your APR may be increased to the current rate.

  
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