Rates

Dividend Rates - Effective 1/01/12

Annual Percentage

Account Balance Ranges ($) Dividend Rates* Yields (APY)**

Regular Share Account:

0.00 - 50.00 NONE N/A

50.01 - 2,500.00 0.25% 0.25%

2,500.01 - 10,000.00 0.35% 0.35%

10,000.01 - 25,000.00 0.45% 0.45%

25,000.01 - 50,000.00 0.55% 0.55%

50,000.01 - 100,000.00 0.65% 0.65%

100,000.01 - and up 0.75% 0.75%

Share Draft Account:

0.00 - 250.00 NONE N/A

250.01 - and higher 0.15% 0.15%

*Dividend Rates are established by the Board of Directors and are subject to

periodic change, based on current economic conditions and credit union earnings.

**(APY) - Annual Percentage Yield assumes reinvestment of principal and

dividends on a monthly basis for one year at the stated dividend rate. Dividends

are calculated and paid at the end of each month on all accounts with a balance

in excess of the $50.00 full share amount, utilizing the ACTUAL DAILY BALANCE,

and a 365- DAY YEAR (366 days in a leap year). The credit union calculates

dividends on the full balance in the account each day at the stated dividend rate

that corresponds to the applicable share balance range.

(APYE) - Annual Percentage Yield Earned is calculated at the end of each month

(Dividend Period), utilizing the AVERAGE DAILY BALANCE and a 365-DAY YEAR

(366 days in a leap year). The (APYE) is printed on your periodic Statement as a

percentage and may differ from the (APY).

Funds earn dividends from the day of deposit until day of withdrawal.

An account closed during the month will earn no dividend for the month.

If you have any questions or need any additional information, please contact the

credit union office.

Loan Rates

Loan Type Duration APR *

Share Secured

Click here to Apply Online Today! Terms to 120 months 4.25%

Signature Unsecured AS LOW AS�

Click here to Apply Online Today! Terms to 72 months 9.99%

New Automobile/Truck AS LOW AS�

(2012 or 2011 models not previously registered)

Click here to Apply Online Today!

20% or more down Terms to 72 months 2.99%

(80% Financing, including tax & license)

0% Down Terms to 72 months 3.49%

(100% Financing, including tax & license)

Used Automobile/Truck AS LOW AS�

(used automobile/truck rates include consideration of vehicles age)

Click here to Apply Online Today!

20% Down Terms to 72 months 4.24%

(80% Financing, including tax & license)

0% Down Terms to 72 months 5.00%

(100% Financing, including tax & license)

New Recreational Vehicles

Click here to Apply Online Today!

90% Financing, including tax & license Terms to 144 months 5.50%

Used Recreational Vehicles

Click here to Apply Online Today!

90% Financing, including tax & license Terms to 144 months 6.25%

New Watercraft and Trailers

Click here to Apply Online Today!

100% Financing, including tax & license Terms to 72 months 5.00%

80% Financing, including tax & license Terms to 72 months 4.50%

Used Watercraft and Trailers

Click here to Apply Online Today!

80% Financing, including tax & license Terms to 72 months 6.00%

Motorcycle

Click here to Apply Online Today!

90% Financing, including tax & license Terms to 72 months 5.50%

First Trust Deed

Up to $425,000

3/1 ARM 1 - 30 Year 3.00%

5/1 ARM 1 - 30 Year 3.50%

5/5 ARM 1 - 15 Year 4.00%

5/5 ARM 15 - 20 Year 4.25%

5/5 ARM 16 - 30 Year 4.50%

Jumbo Loan from $425,000 to $650,000

3/1 ARM 1 - 30 Year 4.00%

5/1 ARM 1 - 30 Year 4.50%

5/5 ARM 1 - 15 Year 5.00%

5/5 ARM 15 - 20 Year 5.25%

5/5 ARM 16 - 30 Year 5.50%

* Annual Percentage Rate

Rates for signature loans and new and used automibiles/trucks loans will be

based on credit qualification

The maximum interest rate the credit union may charge by law is 18%

There are no prepayment penalties associated with any credit union loan.

All loan interest is calculated utilizing the "simple interest" method, which is the least expensive way to borrow.

� Copyright LBCEFCU