Checking Rates

Rates are effective as of February 1, 2012.

Rates are subject to change.

MAAXIMUM Checking

Balance	Dividend Rate	APY*
Base Rate (requirements not satisfied)	0.100%	0.10%
$0.01 - $25,000.00 (requirements satisfied)	1.490%	1.50%
$25,000.01 or Greater (requirements satisfied)	0.509%	0.51%

e@dvantage Checking

Balance	Dividend Rate	APY*
$1,000.00 - $4,999.99	0.050%	0.05%
$5,000.00 - $9,999.99	0.100%	0.10%
$10,000.00 or Greater	0.150%	0.15%

Disclaimer

*Annual Percentage Yield. Rates subject to change. Accurate as of last dividend declaration date.
¹ Ask us for further information about the fees and other terms that apply to these accounts.
For more information about how share account rates are established and paid, reference the "Important Account Information For Our Members" brochure and the member account agreements which offer additional account information with AAFCU.
Fees could reduce the earnings on the account.

Loan Rates

Rates are effective as of February 1, 2012.

Rates are subject to change.

New and Used Auto Loans

Term		APR**
Up to 36 months		2.99% - 18.00%
37 - 48 months		3.49% - 18.00%
49 - 66 months		3.99% - 18.00%
67 - 78 months		4.99% - 18.00%
79 - 84 months		5.99% - 18.00%

Personal Loans

Term		APR**
12 months		11.25%
24 months		12.25%
36 months		13.25%
48 months		14.25%

New and Used Motorcycles

Term		APR**
Up to 48 months		7.05% - 18.00%
49 - 66 months		7.35% - 18.00%
67 - 72 months		7.80% - 18.00%

Recreational Vehicles

Term		APR**
72 months		10.00% - 18.00%
84 months		10.50% - 18.00%
96 months		11.25% - 18.00%
108 months		11.50% - 18.00%
120 months		12.00% - 18.00%

Revolving Credit

Type	APR**
Revolving Credit	14.00%

Disclaimer

**Annual Percentage Rate. Rates subject to change.
Annual Percentage Rate may vary depending on applicant's creditworthiness and percentage of retail price financed. Annual Percentage Rate for the entire term of the loan.
Membership requirements and other restrictions apply.

Ask a Financial Services Officer for details regarding how your rate is determined.

Savings Rates

Rates are effective as of February 1, 2012.

Rates are subject to change.

Share Account Terms

Type A minimum balance of $5.00 is required to open and earn dividends.	Dividend Rate	APY*
Share Accounts	0.150%	0.15%

Money Fund Terms

Balance A minimum balance of $1,000.00 is required to earn dividends.	Dividend Rate	APY*
$1,000.00 - $2,499.99	0.150%	0.15%
$2.500.00 - $9,999.99	0.150%	0.15%
$10,000.00 - $24,999.99	0.200%	0.20%
$25,000.00 - $49,999.99	0.300%	0.30%
$50,000.00 or Greater	0.399%	0.40%

Health Savings Account (HSA)

Balance	Dividend Rate	APY*
$0.00 - $999.99	0.050%	0.05%
$1,000.00 - $2,499.99	0.100%	0.10%
$2,500.00 - $9,999.99	0.150%	0.15%
$10,000.00 - $24,999.99	0.200%	0.20%
$25,000.00 or Greater	0.300%	0.30%

Disclaimer

*Annual Percentage Yield. Rates subject to change. Accurate as of last dividend declaration date.
¹Ask us for further information about the fees and other terms that apply to these accounts.
For more information about how share account rates are established and paid, reference the "Important Account Information For Our Members" brochure and the member account agreements which offer additional account information with AAFCU.
Fees could reduce the earnings on the account.

IRAs and Term Share Certificate Rates

Rates are effective as of February 1, 2012.

Rates are subject to change.

IRA Share Accounts

Type	Dividend Rate	APY*
IRA Share Accounts	0.150%	0.15%

IRA Certificates Under $10,000

Term A minimum balance of $500.00 is required to open and earn dividends on IRA Certificate Accounts.	Dividend Rate	APY*
12 months	0.598%	0.60%
24 months	1.104%	1.11%
36 months	1.342%	1.35%
48 months	1.884%	1.90%
60 months	2.325%	2.35%

IRA Certificates Over $10,000

Term A minimum balance of $10,000.00 is required to open and earn dividends on IRA Certificate Accounts.	Dividend Rate	APY*
12 months	0.698%	0.70%
24 months	1.203%	1.21%
36 months	1.440%	1.45%
48 months	1.982%	2.00%
60 months	2.423%	2.45%

Certificates Under $10,000

Term A minimum balance of $500.00 is required to open and earn dividends on Certificate Accounts.	Dividend Rate	APY*
6 months	0.449%	0.45%
12 months	0.598%	0.60%
24 months	1.104%	1.11%
36 months	1.342%	1.35%
48 months	1.884%	1.90%
60 months	2.325%	2.35%

Certificates Over $10,000

Term A minimum balance of $10,000.00 is required to open and earn dividends on Certificate Accounts.	Dividend Rate	APY*
6 months	0.549%	0.55%
12 months	0.698%	0.70%
24 months	1.203%	1.21%
36 months	1.440%	1.45%
48 months	1.982%	2.00%
60 months	2.423%	2.45%

Disclaimer

*Annual Percentage Yield. Rates subject to change. Accurate as of last dividend declaration date.
¹ Ask us for further information about the fees and other terms that apply to these accounts.
For more information about how share account rates are established and paid, reference the "Important Account Information For Our Members" brochure and the member account agreements which offer additional account information with AAFCU.
Fees could reduce the earnings on the account.
Accounts may be assessed penalties for early withdrawal.
AAFCU Individual Retirement Accounts are federally insured separately up to $250,000 by the National Credit Union Administration (NCUA).