Rates | USSCO Federal Credit Union

Rates are accurate as of March 1, 2010 Description	INTEREST RATE	APY*
Share Type 01 $250 - $4999.99	0.25%	0.25%
$5000 and over	0.50%	0.50%
Share Type 04 $250 - $4999.99	0.50%	0.50%
$5000 and over	0.75%	0.75%
Little Sav Accounts Jr. Saver Accounts Teen Accounts Balances over $50	0.50%	0.50%

Christmas Club Accounts - Balances over $250	0.50%	0.50%

Vacation Club Accounts - Balances over $250	0.50%	0.50%

Accumulative Individual Retirement Accounts Balances over $100	1.00%	1.00%

Money Market Accounts - Balances over $2500	1.09%	1.10%

Share Draft Accounts	0.00%	0.00%

Business Checking Accounts
$5000-$24,999.99	0.25%	0.25%
$25,000 - $99,999.99	0.25%	0.25%
$100,000 or greater	0.75%	0.75%

Share Certificates
Minimum deposit $500.00
6-Month	.80%	.80%
12-Month	1.05%	1.05%
18-Month	1.05%	1.05%
24-Month	1.69%	1.70%
36-Month	2.18%	2.20%
60-Month	2.71%	2.75%

Minimum deposit $2500.00
12-Month	1.05%	1.05%
15-Month	1.05%	1.05%
18-Month	1.05%	1.05%
24-Month	1.69%	1.05%
36-Month	2.18%	2.20%


Penalty for early withdrawal of share certificates 15 month or less - 90 days dividends 18 months or more-180 days dividends Fees for early withdrawal may reduce earnings.

*Super Saver Certificate*	.95%	.95%
Minimum deposit $1000

Allows for deposits of $500 or more during term. 1 withdrawal per year with no penalty as long as balance remains above $1000. Additional withdrawals have 90 days dividend penalty. Penalty may reduce earnings

*Adjustable Rate Share Certificate*
Minimum deposit $2500.00 Rate adjusts quarterly
18-Month	0.41%	0.41%
36-Month	0.66%	0.66%
60-Month	0.91%	0.91%

Penalty for early withdrawal is 180-days dividends. Penalty may reduce earnings.

IRA Certificates	Traditional Roth Coverdell
Minimum Deposit $500
18-Month	1.05%	1.05%
36-Month	2.18%	2.20%
60-Month	2.71%	2.75%

Adjustable IRA
Minimum balance $500.00
60-Month	1.05%	1.05%

Early withdrawal penalty is equal to 180 days dividends for all IRAs. Penalties may reduce earnings.

*VISA Credit Card*	APR**
	11.9%
	13.9%
	15.9%
Rate based on credit worthiness

	APR**
*Signature/Line of Credit Loans*	as low as 10.90%	up to 48 months
Rates based on credit worthiness

Shared Secured
Terms up to 120 months	3.50%

Certificate Secured
Term on CD secured loans cannot exceed the term of the Certificate of Deposit being used as collateral.	3.00% above the rate on the deposit instrument

*Mortgages*	APR**
Rate based on credit worthiness	as low as
5 Year Fixed Home Equity	5.00%
10 Year Fixed Home Equity	5.75%
15 Year Fixed Home Equity	6.00%
20 Year Fixed Home Equity	6.50%

15-Year Fixed 2nd Mortgage	7.50%
20-Year Fixed 2nd Mortgage	8.25%

Home Equity Line of Credit Rate adjusts twice a year. Rate is subject to change after the account is opened.	4.25%
Adjustable Mortgages Rates are subject to change after account is opened.
One-Year Adjustable Mortgage	4.00%
Three Year Adjustable Mortgage	4.50%
Five Year Adjustable Mortgage	5.00%


Costs vary with loan type and term Contact the loan department for additional information

Vehicle Loans
Rates based on credit worthiness

New Vehicle Less than 3 years old with less than 6000 miles	APR** as low as
New - 36 Months	5.00%
New - up to 60 Month	5.00%
New - over 60 Months	5.50%
Used Vehicle
Used - 36 Months	5.75%
Used - up to 60 Month	6.25%


Recreational Vehicles	APR** as low as
Rates based on credit worthiness
36-Months	7.25%
up to 60 Months	7.50%
over 60 Months	8.00%


All rates are subject to change without notice
**APR - Annual Percentage Rate Rate - Interest Rate

*APY denotes Annual Percentage Yield