Savings & Certificate Rates
As of December 1, 2009

Minimum Balance to Open Minimum to Earn APY Dividend Rate Annual Percentage Yield (APY) Share Savings Account $50 $50 0.25% 0.251% Preferred Savings Account    $0 - $19,999    $20,000+ $50 $20,000 $50 $20,000 1.00% 1.40% 1.00% 1.41% Premier Savings Account    1st $50,000.00       2nd $50,000.00    next $150,000.00    next $250,000.00 -      $99,999,999.99 $50,000 $50,000 1.40% 1.50% 1.60% 2.05% 1.41% 1.41-1.46% 1.46-1.55% 1.55-2.05% Fixed Certificate & IRA Accounts     7-month term (not available as an IRA)     1-year term     2-year term     3-year term     4-year term     5-year term $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 1.50% 1.75% 2.00% 2.50% 3.00% 3.25% 1.51% 1.76% 2.01% 2.52% 3.03% 3.29% Variable Certificate & IRA Accounts     18-month term     3-year term     5-year term $50 $50 $50 $50 $50 $50 2.00% 2.35% 3.00% 2.01% 2.37% 3.03% Individual Retirement Accounts (IRA) $50 N/A 2.50% 2.524% The Premier Savings Account is a tiered-rate account with different rates applied to the different tiers. Member must maintain at least $50,000 in the account to earn dividends on this account.

Savings Accounts - dividends are compounded and paid quarterly on the first day of the next dividend period. Dividend Rates and APYs are variable and are subject to change. Certain fees and charges may apply to your share account as disclosed in the current Schedule of Fees. Assessed fees may reduce earnings. Variable Certificate & IRA Accounts - dividends are compounded and paid quarterly on the first day of the next dividend period. A penalty may apply if the certificate is redeemed prior to maturity. Certificates will automatically renew upon maturity unless otherwise stipulated by the member.

Checking Rates
As of December 1, 2009

*Plus cost of check style selected

Loan Rates
Effective March 10, 2010

Loan Type Annual Percentage Rate Repayment Schedule or Payment Amount New/Used Autos & Motorcycles See Vehicle Loan Rate Schedule below or click here 36 - 84 months Up to 100% of M.S.R.P. including taxes, tags, titling fees and extended warranties. Used vehicles based on industry valuation sources suggested retail price Share Secured 2.00% above LFCU dividend rate; adjusted with dividend rate Up to 7 years Up to balance in Prime Share or Savings Club account*** Share Certificate 2.00% APR above LFCU dividend rate; adjusted with dividend rate Term not to exceed certificate maturity date Up to value of certificate at time of borrowing (including accrued dividends) Line of Credit As low as 12.00% $30 per $1,000 borrowed, monthly $500 - $30,000 Signature As low as 9.00%** Up to 48 months $500 - $30,000 Education Assistance 10.00% 11.00% 12.00% 1 year 3 year 5 year Up to $10,000 per year with a total loan maximum of $20,000 per student; for books and/or tuition only MasterCard Platinum 0.00% - 18.00%**** $30 or 2% of balance, monthly; 25-day grace period on purchases $500 - $50,000 Mortgage & Home Equity A variety of products are available; see Mortgage Loan Descriptions Fixed and Adjustable Rate Program Up to 100% of appraised value Luxury Leisure Vehicle (Boats & RV's) Prime plus 2%; at time of approval; rate adjusted every 36 months; will not increase or decrease more than 2% per adjustment 8 yrs = up to $50,000 10 yrs = $50,001 - $100,000 90% of purchase price, up to $100,000. Vehicles for personal, non-business use only

Annual percentage rate and terms subject to change without notice.

*Stated APR is the lowest rate available for qualified members. Actual rate may be higher based on income and credit worthiness.
** Stated APR reflects 0.25% discount for automatic debit from checking account.
***Rate based on dividend tier at time of origination.
****Your APR may vary. Your initial rate is determined by adding a Margin (initially determined based on an evaluation of each member’s credit score, economic conditions and other risk factors) to the highest prime Rate published in the Wall Street Journal on the first business day of the current month, and the rate will then adjust monthly (on the first day of your billing cycle), according to monthly increases or decreases in the Wall Street Journal Prime Rate. The APR will not be more than 18.0%, regardless of the Wall Street Journal Prime Rate. Margins range from 4.90% to 13.90%. The margin applicable to your account is subject to review every 6 months, and we may increase or decrease the margin applicable to your account based upon changes in your credit history, economic conditions and other risk factors. We will notify you in accordance with applicable law before we apply any margin increase to your account.

New Auto Interest Rate Schedule

Term Annual Percentage Rate as low as* 36 Months 4.50% 48 Months 5.00% 60 Months 5.50% 72 Months** 6.00% 84 Months** 6.50%

Used Auto Interest Rate Schedule

Term Annual Percentage Rate as low as* 36 Months 5.50% 48 Months 6.00% 60 Months 6.50%

Motorcycle Interest Rate Schedule

Term Annual Percentage Rate as low as* 36 Months 6.50% 48 Months 7.00% 60 Months 7.50%

* Stated APR is the lowest rate available for qualified members and reflects .25% discount for automatic debit from checking account. Actual rate may be higher based on income and credit worthiness.
**$30,000.00 minimum purchase price required for vehicle loan of 72 to 84 months.