Floodwood CU Rates & Fees

Product Name	Interest Rate	APY*	Minimum Open Balance	Minimum Balance for APY*
Membership Savings	1.00%	1.00%	$25.00	$25.00
Share Savings	1.50%	1.51%	$1.00	$1.00
Business Share Savings	1.50%	1.51%	$25.00	$25.00
Christmas Clubs	1.50%	1.51%	$1.00	$1.00
Regular Checking	0.25%	0.25%	$1.00	$500.00

*Annual Percentage Yield. The above savings rates are effective as of July 1, 2007. The interest rate and corresponding annual percentage yield may vary after the account is opened.

Product	APR*	LTV%
New Auto 1 - 60 Months	5.75%	100% MSRP
Used Auto 1 - 60 Months: 2008 - 2006	5.75%	100% NADA
Used Auto 1 - 48 Months: 2005 & older	6.75%	80% NADA
New Recreation Vehicle 1 - 60 Months	6.25%	100% MSRP
Used Rec Vehicle 1 - 48 Months: 2008 - 2006	6.25%	100% NADA
Used Rec Vehicle 1 - 36 Months: 2005 & older	6.75%	80% NADA
R.V. ( Boats, Campers & Motor Homes) 2008 - 2004 1 - 120 Months ( 5 year Rate Review)	6.50%	90%
R.V. ( Boats, Campers & Motor Homes) 2003 - 1999 1 - 96 Months ( 4year Rate Review)	7.00%	80%
R.V. ( Boats, Campers & Motor Homes) 1998 & older 1 - 60 Months	7.50%	70%
New Consumer Goods	7.00%	100%
Used Consumer Goods	8.00%	80%
Unsecured Loans Level 1 1 - 24 Months	12.00%	n/a
Unsecured Loans Level 2 1 - 24 Months	15.00%	n/a
Share Draft Loan 11 Months	15.00%	n/a
Savings - Secured	Savings Rate + 3%	n/a
Certificate of Deposit - Secured	CD Rate + 2.0%	n/a
In House 3 year Balloon Mortgage 12 - 240 Month Amortization	5.50% -7.00%	80%
In House (3 year Balloon) Insured Mortgage 12 - 120 Month Am	8.50%	100%
Mobile Home (3 year Balloon) 12 - 180 Month Amortization	7.75%	75%
Mobile Home & Land (3 year Balloon) 12 - 180 Month Amortization	5.50% - 7.00%	80%
Insured Residential Lot Purchase (3 year Balloon) 12 - 120 Month Amortization	8.50%	100%
Bare Land (3 year Balloon) 12 - 120 Month Amortization	7.75%	75%
Secondary Market Real Estate Loan 180 - 360 Month Amortization	varies*	97%

*APR: Annual Percentage Rate. The above rates are effective as of June 26, 2008. Members must meet income and credit criteria. N/A means the area in question is not available. * Secondary Market Rate changes daily please contact loan officer for current interest rate.

Product Type	APR^*
Floodwood Area Credit Union VISA	13.90

Product Name	Interest Rate	APY^*	Minimum Open Balance	Minimum Balance for APY^*
6 Month	2.75%	2.78%	$500.00	$500.00
12 Month	3.00%	3.03%	$1,000.00	$1,000.00
24 Month	3.25%	3.29%	$1,000.00	$1,000.00
24 Month	3.35%	3.39%	$20,000.00	$20,000.00

*APY: Annual Percentage Yield. The above Term Share rates are effective as July 1, 2008. A penalty may be imposed for early withdrawal.

Product Name	Interest Rate	APY^*	Minimum Open Balance	Minimum Balance for APY^*
IRA Savings	3.00%	3.03%	$200.00	$200.00

*APY: Annual Percentage Yield. The above IRA rates are effective as of January 1, 2006.

IMPORTANT INFORMATION: The Annual Percentage Yield and corresponding Interest Rate may vary after the account is opened.

Savings Account Fees
Monthly Fee	$0.00
ACH Notification of Change	$0.00

IRA Fees
Annual Fee	$0.00
Transfer to Another Institution (after one free per year)	$0.00

Checking Account Fees
Monthly Fee	$0.00
Per Check Charge	$0.00
Non-Sufficient Funds (NSF) Fee	$15.00
Stop Payment Fee	$10.00 per check
Check Copy Fee	$1.00 per check
Checking Statement Balancing Service	$10.00 per hour
Check Printing (per box of 175 checks)	varies with check design
Account Activity Printout	$2.00
Overdraft (each debit or draft paid)	$5.00
ATM/Debit Card Fees
Card Replacement Fee	$5.00 per card
Additional ATM/Debit Card	$0.00 per card
Additional ATM/Debit Card for Joint Account Owner	$0.00

Other Fees

Additional Copy of Statement	$2.00
Wire Transfers	Varies as Member Representatives