Products

L ENDING PRODUCTS:
We offer a variety of loan products. Our lending decisions are made locally
and we genuinely strive to accommodate our members request whenever
possible.

AUTO LOANS:
On new vehicles, we finance up to 100% of purchase price* with highly competitive
interest rates. Our terms on new vehicles extend to (72) months.

On used vehicles, we finance up to 100% of NADA retail value.* Model years eligible
for financing extend back to (7) years. Our maximum term on used vehicles is (60)
months.

HOME EQUITY LOANS:
We offer competitively priced home equity loans for borrowers looking for more
intermediate financing terms. Our home equity loan terms extend to (84) months,
with the credit union holding a 1st or 2nd mortgage lien position on the borrowers
primary residenc.e The property's loan-to-value ratio extend 80%*. Home equity
loans can be made on mobile homes with attached land. This program utilises
existing equity that exist in the borrower's primary residence and is not intended to
facilitate purchase money transactions.

SHARED SECURED LOANS:
Shared secured loans represent a fast and convenient way to obtain that needed
credit. Share secured rates are based on the interest rates being paid on the
particular deposit used as collateral. Regular share saving accounts as well as
certificates of deposit can be used to secure the loan balance. Terms on these
loans can be quite flexible.

OTHER LOANS:
We also provide financing on a variety of other types of vehicles such as RV's,
boats, motorcycles, etc. Call us for additional information on our competitive rates
and terms for these products.

S AVINGS PRODUCTS:
We offer several different saving options to fit our members' particular
lifestyle needs. Direct deposit can be added to regular share savings
accounts to assist and enhance the savings process.

SHARE SAVINGS ACCOUNT:
Our regular share savings account is used to establish membership with our credit
union. An initial deposit of $25.00 is required to establish the account. It is an
excellent vehicle to establish a systematic savings plan with direct deposit.
We offer several different savings options to fit our members needs.

CERTIFICATES OF DEPOSIT:
We offer competitively priced certificate of deposits (CD's) with terms ranging from
six months to sixty months. To earn an even higher interest rate on (CD's), we offer
jumbo certificates when you establish an account with $75,000 or higher.

INDIVIDUAL RETIREMENT ACCOUNTS (IRA's)
Individual Retirement Accounts (IRA's) can be established as a supplement or
primary retirement savings vehicle. With us, (IRA's) can take the form of share
savings accounts or Certificate of Deposits. With our share savings (IRA) funds can
be systematically deposited through such means as direct deposit, wherein with our
certificates of deposits you contract with us for a specific rate and term*. Both
accounts can provide an excellent resource to augment retirement plans. A $500.00
minimum deposit is required to establish an (IRA) account.

CHRISTMAS CLUB ACCOUNTS:
Our Christmas Club accounts offer a great way to accumulate funds for the
holiday season. These accounts may be established with or without a direct
deposit relationship. An annual disbursement from this account is required at
which funds are transferred to a regular share savings account. This account is
also eligible to earn dividends.

CHECKING ACCOUNTS:

ECONO CHECKING:
With Econo checking, no minimum balance is required. If no check order is placed,
there is no deposit required to open this account. This account comes with an ATM
card which can be used at numerous point-of-sale locations.

LEGACY CHECKING:
Legacy Checking is designed for the 50 and over members in mind. It also offers no
minimum balance requirements along with several additional benefits. The first check
order is FREE to all Legacy account members.

* Additional rates and terms available. Rates and terms are subject to change without notice and are based on your credit worthiness. All
certificates require a minimum of $500 to open and the rates are fixed for any term of the certificate. A penalty will be imposed for early
withdrawal. Please call us at 843-761-8298 to or 1-800-858-0047 obtain current rates. Annual Percentage Rate (APR) is the yearly cost of
obtaining credit.
Your savings are federally insured to $100.000 by the National Credit Administration, a U.S. Government Agency.