Auto Loan Credit Cards Home Equity Line of Credit	Home Equity Term Loan Motorcycle Loan Personal Line of Credit	Personal/Signature Loan RV/Boat Loan Share/CD Secured Loan

Rates effective 9/1/2010. All terms are approximate. Rates on advances for members not currently using payroll or pension deduction from a sponsor company, or utilizing Autopay are 0.25% APR higher. APR = Annual Percentage Rate.

New/Used Auto Loan *

Loan Term APR As Low As Daily Periodic Rate 2003 to 2010 Models (new or used) Up to 36 months 4.24% .011616% 37 to 60 months 4.99% .013671% 2007 to 2010 Models (new or used) 61 to 72 months 5.49% .015041% 2009 to 2010 Models (new or used) 73 to 84 months 5.99% .016411% (The minimum loan amount is $15,000 for 61 to 84 month financing) 100% of Invoice or, if used, lower of NADA retail or selling price 2002 and Older Models Up to 36 months 6.24% .017096% Up to 60 months 6.99% .019151%

Home Equity Fixed Rate Term Loan * Loan Term APR As Low As 90% LTV or Less Up to 36 months1 4.49% 37 to 60 months 4.99% 61 to 84 months 5.24% 85 to 120 months 5.49% 121 to 180 months 5.74% 181 to 240 months 5.99%   91 to 100% LTV Up to 36 months 5.74% 37 to 60 months 6.24% 61 to 84 months 6.49% 85 to 120 months 6.74% 121 to 180 months2 6.99% 181 to 240 months 7.24% 1 Monthly payments for each $1,000 borrowed at 4.49% APR for 36 months would be $29.74. 2 Monthly payments for each $1,000 borrowed at 6.99% APR for 180 months would be $8.98.

Home Equity Line of Credit & Home Equity VISA® Platinum Card™   Annual Percentage Rate Daily Periodic Rate 90% or less LTV 3.25% .008904% 91% to 100% LTV 4.25% .011644% Rates may vary and adjust quarterly based on the Wall Street Journal Prime Rate (Index) plus 0.0% APR (Margin) for up to 90% LTV; plus 1.0% APR (Margin) for 91 to 100% LTV. Maximum lifetime interest rate will not exceed 18% APR. Home Equity Loans and Lines of Credit 100% maximum loan to value (LTV). Loan to Value (LTV) calculation is dependent upon the appraised value of your home. Home Equity products are not available in all states. Real estate must be first or second lien, 1-4 family owner-occupied residential property. Some states charge additional recording tax after approval for which you are responsible. If your home is located in SC, a SC attorney will charge fees (of which UECU provides $150 credit). Early closing reimbursement fee of $400 will be assessed if Home Equity Loan or Line of Credit closed within the first 12 months after opening; $200 if closed during months 13 to 24. Homeowners insurance is required. Flood insurance required for properties designated in flood zones. Consult your tax advisor regarding interest deductibility. Equal Opportunity Lender.

100% Share Secured Loan *

Loan Term APR As Low As Daily Periodic Rate Up to 36 months 4.24% .011616% 36 Month Maximum for loans under $5000     37 to 60 months 4.99% .013671%

CD Secured Loan

2% above CD rate, with matching term

Credit Cards

Card Type Annual Percentage Rate Daily Periodic Rate VISA Power Card™ 8.99%     to 17.99%** .02463% .04929% Share Secured VISA Power Card™ 3.25% .008904%   (Variable)   Connections VISA Power Card™ (Introductory Rate)3 5.99% .016411%   (Fixed - Intro.)   Connections VISA Power Card™ (Standard Rate) 12.99% .035589% ** Rate is based on an evaluation of credit-worthiness criteria. Actual rate may differ. Share Secured Power Card rate is based on Wall Street Journal Prime Rate ("index") plus 0.00% ("margin") and may vary and adjust accordingly. Share Secured Power Card is 100% share secured. Share Secured rate is quoted as of 9/1/2010. 3  6 month introductory rate then converts to standard rate.

Motorcycle Loan *

Loan Term APR As Low As Daily Periodic Rate 2007 to 2010 Models (new or used) 100% of Invoice or, if used, lower of NADA retail or selling price Up to 36 months 6.49% .017781% 37 to 60 months 6.99% .019151% 2003 to 2006 Models Up to 48 months 7.49% .020521%

Recreational Vehicle * and Boat Loans *

Loan Term APR As Low As Daily Periodic Rate 2007 to 2010 Models (new or used) 100% of Invoice or, if used, lower of NADA retail or selling price Up to 60 months 6.99% .019151% 61 to 72 months 7.49% .020521% 2009 to 2010 Models 73 to 84 months 7.99% .02189% (The minimum loan amount is $15,000 for 61 to 84 month financing) 2003 to 2006 Models Up to 48 months 7.49% .020521% 49 to 60 months 7.99% .02189%

Personal/Signature Loan * (36 month maximum for under $5,000)

Loan Term APR As Low As Daily Periodic Rate Up to 36 months 7.74% .021205% 37 to 60 months 8.74% .023945%

Personal Line of Credit

Loan Annual Percentage Rate Daily Periodic Rate Personal Line of Credit 9.00% .024658% Rate is based on Wall Street Journal Prime Rate ("index") plus 2.45% APR ("margin"). Subject to a floor rate of 9.00% APR. Rate may vary and adjust quarterly January 15th, April 15th, July 15th, and October 15th to reflect any change in the index. Rate shown as of 7/15/2010.

*Our lowest rates are based on opening and maintaining any UECU checking account and an evaluation of applicant's credit. Actual rate may differ based on credit-worthiness criteria. Product offers, rates, terms, and other information provided herein are subject to change without notice.