ÿþ<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3c.org/TR/1999/REC-html401-19991224/loose.dtd"> <html xmlns="http://www.w3.org/1999/xhtml"><head><title>Hospital System Credit Union</title> <meta content="text/html; charset=UNICODE" http-equiv="Content-Type"> <link rel="Shortcut Icon" href="favicon.ico"><link rel="stylesheet" type="text/css" href="hscu.css"> <style type="text/css"> <!-- .style1 {color: #FFFFFF} .style2 { font-size: large; } --> </style> <meta name="GENERATOR" content="MSHTML 8.00.6001.19088"></head> <body bgcolor="#cccccc"> <table border="1" cellspacing="0" cellpadding="0" width="920" bgcolor="#d71144" align=center> <tbody> <tr> <td valign="top"><br> <table border="0" cellspacing="0" cellpadding="0" width="900" background=bg_grad.jpg align=center> <tbody> <tr> <td valign="top" width="209" align="middle"><img src="redsquare.jpg" width=209> <div id="home_left_space"></div><a href="https://www.w-w-i-s.com/HSCMS/account40.asp?pagename=AccountAccess" target=_blank><img border="0" src="login_temp.jpg"></a> <div id="home_left_space"></div> <div id="home_left_space"></div> <div id="home_left_space"></div> <div id="home_left_space"></div> <div id="home_left_space"></div> <div id="left_buttons" align="left"><a href="rates.html">RATES</a><br><img src="redline.jpg"><br><a href="forms.html">CALCULATORS</a><br><img src="redline.jpg"><br><a href="privacy.html">PRIVACY POLICY</a><br><img src="redline.jpg"></div> <div id="home_left_space"></div> <div id="home_left_space"></div> <div id="home_left_space"></div> <div id="home_left_space"></div> <div id="home_left_space"></div> <div id="home_left_space"></div> <div id="home_left_space"></div> <div id="home_left_space"></div> <div id="home_left_space"></div><img src="LEFT_amCU.jpg"></td> <td bgcolor="#ffffff" valign="top" width="691"><a href="index.html"><img border=0 src="HSCU_name.jpg"></a> <div id="topbuttons"> <table border="0" cellspacing="0" cellpadding="0" width="689" align="center" height=32> <tbody> <tr align="middle"> <td id="indbutton" width="138"><a href="contact.html">Contact Us</a></td> <td id="indbutton" width="138"><a href="about.html">About Us </a>&nbsp;</td> <td id="midbutton" width="138"><a href="services.html">Services</a>&nbsp;</td> <td id="indbutton" width="138"><a href="index.html">Home</a></td> <td id="indbutton" width="138"><a href="join.html">How to Join</a></td></tr></tbody></table></div><img src="HSCU_Main_Splash.jpg"> <table border="0" cellspacing="0" cellpadding="0" width="685" align=center><tbody> <tr> <td valign="top" width="95%" align="middle"> <div id="home_mid_space"></div> <div id="content_text_left" align="left"> <h1>Rate Information</h1> <p>APR refers to the annual percentage rate&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <span class="style2">&nbsp; </span> <strong><font color="#ff0000"><blink><span class="style2">We will match any loan rate!</span></blink>&nbsp;&nbsp;</font></strong><br> APY refers to the annual percentage yield. <h2 style="height: 21px">Loan Rates Rates as of 9/2/2011</h2> <p>Annual Percentage rate (APR) is based on your credit score.<br>All secured loans - APR range:&nbsp; 3.50% to 18.50%<br>Unsecured loans - APR range:&nbsp; 9.75% to 21.00%</p> <table border="1" cellspacing="0" cellpadding="2" width="625" bgColor=#e1e1e1> <tbody> <tr> <td background="boxbg2.jpg" style="width: 199px"> <h2 class="style1">Rate Description</h2></td> <td background="boxbg2.jpg" style="width: 159px"> <h2 class="style1">Term</h2></td> <td background="boxbg2.jpg" width="80"> <h2 class="style1">APR Type</h2></td></tr> <tr> <td style="width: 199px">New &amp; Used Autos 2010-2011</td> <td style="width: 159px">up to 84 months</td> <td>Fixed</td></tr> <tr> <td style="width: 199px">Used Autos 2009</td> <td style="width: 159px">up to 72 months</td> <td>Fixed</td></tr> <tr> <td style="width: 199px">Used Autos 2008</td> <td style="width: 159px">up to 60 months</td> <td>Fixed</td></tr> <tr> <td style="width: 199px">Used Autos 2007</td> <td style="width: 159px">up to 48 months</td> <td>Fixed</td></tr> <tr> <td style="width: 199px">Used Autos 2006-2000</td> <td style="width: 159px">up to 36 months</td> <td>Fixed</td></tr> <tr> <td style="width: 199px">Unsecured/signature </td> <td style="width: 159px">up to 60 months</td> <td>Variable</td></tr> <tr> <td style="width: 199px">Recreational Vehicles</td> <td style="width: 159px">up to 84 months</td> <td>Fixed</td></tr> <tr> <td style="width: 199px">Household Goods</td> <td style="width: 159px">over $5,000 - 60 months</td> <td>Fixed</td></tr> <tr> <td style="width: 199px">Household Goods</td> <td style="width: 159px">under $5,000 - 36 months</td> <td>Fixed</td></tr> <tr> <td style="width: 199px">Shares</td> <td style="width: 159px">up to 60 months</td> <td>Fixed</td></tr> <tr> <td style="width: 199px">Home Equity LOC</td> <td style="width: 159px">up to 15 years</td> <td>Variable</td></tr> <tr> <td style="width: 199px">First Mortgage </td> <td style="width: 159px">15 yr</td> <td>Fixed</td></tr> <tr> <td style="width: 199px">Second Mortgage </td> <td style="width: 159px">15 yr</td> <td>Fixed</td></tr> <tr> <td style="width: 199px">Undeveloped Property</td> <td style="width: 159px">15 yr</td> <td>Fixed</td></tr> <tr> <td style="width: 199px">Motor homes/travel trailers/mobile homes</td> <td style="width: 159px">up to 180 months</td> <td>Fixed</td></tr></tbody></table>Members should call the credit union to verify rates. Other loans and rates are available, contact the Credit Union for more information. <p></p> <p> <h2>Certificates Rates as of 11/17/2011</h2> <table border="1" cellspacing="0" cellpadding="2" width="625" bgColor=#e1e1e1> <tbody> <tr> <td background="boxbg2.jpg"> <h2 class="style1">Rate Description</h2></td> <td background="boxbg2.jpg"> <h2 class="style1">Term</h2></td> <td background="boxbg2.jpg"> <h2 class="style1">Dividend Rates </h2></td> <td background="boxbg2.jpg"> <h2 class="style1">APY</h2></td></tr> <tr> <td>$0-$40,000</td> <td>3 month </td> <td>0.65%</td> <td>0.652%</td></tr> <tr> <td>$40,000-$80,000</td> <td>3 month</td> <td>0.70%</td> <td>0.702%</td></tr> <tr> <td>over $80,000</td> <td>3 month</td> <td>0.75%</td> <td>0.752%</td></tr> <tr> <td>$0-$40,000</td> <td>6 month</td> <td>0.60%</td> <td>0.601%</td> </tr> <tr> <td>$40,000-$80,000</td> <td>6 month</td> <td>0.65%</td> <td>0.652%</td> </tr> <tr> <td>over $80,000</td> <td>6 month</td> <td>0.70%</td> <td>0.702%</td> </tr> <tr> <td>$0-$40,000</td> <td>12 month</td> <td>0.85%</td> <td>0.853%</td> </tr> <tr> <td>$40,000-$80,000</td> <td>12 month</td> <td>0.90%</td> <td>0.903%</td> </tr> <tr> <td>over $80,000</td> <td>12 month</td> <td>0.95%</td> <td>0.953%</td> </tr> <tr> <td>$0-$40,000</td> <td>18 month</td> <td>1.00%</td> <td>1.0046%</td></tr> <tr> <td>$40,000-$80,000</td> <td>18 month</td> <td>1.05%</td> <td>1.0551%</td></tr> <tr> <td>over $80,000</td> <td>18 month</td> <td>1.10%</td> <td>1.1055%</td></tr> <tr> <td>$0-$40,000</td> <td>24 month</td> <td>1.20%</td> <td>1.2054%</td></tr> <tr> <td>$40,000-$80,000</td> <td>24 month</td> <td>1.25%</td> <td>1.2558%</td></tr> <tr> <td>over $80,000</td> <td>24 month</td> <td>1.30%</td> <td>1.3063%</td></tr> <tr> <td>$0-$40,000</td> <td>36 month</td> <td>1.50%</td> <td>1.5084%</td></tr> <tr> <td>$40,000-$80,000</td> <td>36 month</td> <td>1.55%</td> <td>1.5590%</td></tr> <tr> <td>over $80,000</td> <td>36 month</td> <td>1.60%</td> <td>1.6096%</td></tr></tbody></table>NOTE: Early withdrawal penalties apply to all certificates. <p></p> <p> <h2>Savings/Shares Rates Rates as of 12/23/11</h2> <table border="1" cellspacing="0" cellpadding="2" width="625" bgColor=#e1e1e1> <tbody> <tr> <td background="boxbg2.jpg"> <h2 class="style1">Rate Description</h2></td> <td background="boxbg2.jpg"> <h2 class="style1">Term </h2></td> <td background="boxbg2.jpg"> <h2 class="style1">Dividend Rates</h2></td> <td background="boxbg2.jpg"> <h2 class="style1">APY</h2></td></tr> <tr> <td>Regular Shares (Over $100)</td> <td>&nbsp; </td> <td>0.35%</td> <td> 0.350%</td></tr> <tr> <td>Christmas Club</td> <td>1 year </td> <td>0.35%</td> <td>0.350%</td></tr> <tr> <td>Vacation Club</td> <td>&nbsp;</td> <td>0.35%</td> <td>0.350%</td></tr></tbody></table>Members should call the credit union to verify rates.<br>Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings. <p></p> <p> <h2>IRAs Rates as of 6/23/2011</h2> <table border="1" cellspacing="0" cellpadding="2" width="625" bgColor=#e1e1e1> <tbody> <tr> <td background="boxbg2.jpg"> <h2 class="style1">Rate Description </h2></td> <td background="boxbg2.jpg"> <h2 class="style1">Term</h2></td> <td background="boxbg2.jpg"> <h2 class="style1">Dividend Rates</h2></td> <td background="boxbg2.jpg"> <h2 class="style1">APY</h2></td></tr> <tr> <td>same as regular shares</td> <td>none</td> <td>2.00%</td> <td>2.0206%</td></tr> <tr> <td>SAME AS ANY CERTIFICATE </td> <td>SAME AS ANY CERTIFICATE </td> <td>0.00%</td> <td>0.00%</td></tr></tbody></table>Members should call the credit union to verify rates.<br>Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings. <p></p> <p> <h2>Share Draft Rates as of 8/17/2011</h2> <table border="1" cellspacing="0" cellpadding="2" width="625" bgColor=#e1e1e1> <tbody> <tr> <td background="boxbg2.jpg"> <h2 class="style1">Rate Description</h2></td> <td background="boxbg2.jpg"> <h2 class="style1">Term</h2></td> <td background="boxbg2.jpg"> <h2 class="style1">Dividend Rates</h2></td> <td background="boxbg2.jpg"> <h2 class="style1">APY</h2></td></tr> <tr> <td>transaction account</td> <td>none</td> <td>0.30%</td> <td>0.30%</td></tr></tbody></table>Members should call the credit union to verify rates.<br>Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings. <p></p></div> <div id="home_mid_space"></div> <div id="home_mid_space"></div> <div id=home_mid_space></div></td></tr></tbody></table></td></tr></tbody></table> <center> <div id="copywrite" align="right">? 2010 Hospital Systems Credit Union</div></center><br></td></tr></tbody></table></body></html>