Consumer Loan Rates effective as of 2-3-2004 New Auto Rates Type Term APR New Auto, Trucks, and Customized Vans up to 24 months from 5.25% to 14.20% 25-36 mo. from 5.25% to 14.20% 37-48 mo. from 5.25% to 14.20% 49-60 mo. from 5.25% to 14.20% 61-72 mo. from 6.50% to 15.45% Used Auto Rates Type Model Term APR Used Auto, Trucks, and Customized Vans 2003-2004 up to 60 months from 5.25% to 14.20% 2002 up to 60 months from 5.25% to 14.20% 2001 up to 54 months from 5.25% to 14.20% **2000 up to 48 months from 5.25% to 14.20% **1999-1996 up to 36 months from 5.25% to 14.20% *financing available up to NADA average retail value **financing available up to NADA average trade-in value Recreational Vehicle Rates New Up to 100% of MSRP Approx. 60 months Beginning at 6.00% Used Up to AVG RETAIL VALUE Up to Approx. 60 months* Beginning at 6.25% * Term and amount financed based on year model as determined by auto loans RV & Boat Rates New Up to 100% of MSRP $10,000 and under, up to Approx. 96 months Beginning at 7.00% $10,001 and over, up to Approx. 120 months Beginning at 7.25% Used Last 4 year models $10,000 and under, up to Approx. 60 months Beginning at 7.50% $10,001 to $15,000, up to Approx. 72 months Beginning at 7.50% $15,001 and over, up to Approx. 84 months Beginning at 7.50% Consumer Loan Rates Unsecured Loan -- Separate Advance Approx. 12-24 months Beginning at 8.50% Approx. 25-36 months Beginning at 9.50% Approx. 37-48 months Beginning at 10.00% Single Payment Advance Beginning at 10.00% Signature Line of Credit 10.00% MUST BE A SEPARATE LOAN ADVANCE Consolidation Loan Rates Up to $10,000; Approx. 48 months Beginning at 7.75% $10,001 to $20,000; Approx. 72 months Beginning at 7.85% *Courtesy Deed of Trust maybe required on your primary residence VISA Rates VISA Gold 4.9% First Six Months then Prime plus 2% VISA Classic 9.90% First Year then 12.99% VISA Cards - Share Secured 10.00% (Qualified Members) VISA Cards - Share Secured 16.50% (Non-Qualified) NO ANNUAL FEE Overdraft Protection Loan Rates Overdraft Protection Loan Beginning at 10.00% Share Secured Rates Share Secured 2% Above Rate Earned (V) Computer Loan Rates Computer Loan Special 24 Months MAX / $3,000 MAX 6.50% Mortgage Loan Products HELOC (Second Mortgage) Equity Advantage (Second Mortgage) 1-Year ARM (First Mortgage) 3-Year Balloon (First Mortgage) 10-Year Balloon (First Mortgage) Land/Lot Loan (First Mortgage) *Stop by Leader's Credit Union for the most current mortgage rates or call 731.664.1784 or 1-800-227-1893 to speak with a mortgage officer. Term Share Certificates IRA Share Certificates Certificate Rates Effective 5/15/2004 Term Minimum Balance Dividend Rate Compounding Frequency Annual Percentage Yield 3 Month $1,000.00 1.00% Maturity 1.01% 6 Month Money Market $3,000.00 2.00% Quarterly 2.02.% 6 Month $1,000.00 2.00% Maturity 2.01% 12 Month $1,000.00 2.30% Quarterly 2.32% 24 Month $1,000.00 2.50% Quarterly 2.52% 36 Month $1,000.00 3.00% Quarterly 3.03% 48 Month $1,000.00 3.25% Quarterly 3.30% Individual Retirement Accounts Traditional -- Roth -- Educational Terms Minimum Balance Dividend Rate Compounding Frequency Annual Percentage Yield 12 Month Roth Conversion $1,000.00 2.30% quarterly 2.32% 12 Month $1,000.00 2.30% Quarterly 2.32% 24 Month $1,000.00 2.50% Quarterly 2.52% 36 Month $1,000.00 3.00% Quarterly 3.03% 48 Month $1,000.00 3.25% Quarterly 3.30% All Rates Are Subject To Change. Share Rates Share and Share Draft Accounts Account Dividend Rate Annual Percentage Yield Prime Share Account* $0.00 - 24.99 no dividend 0.00% $25.00 - 2499.99 0.75% 0.75% $2500.00 - 4999.99 0.80% 0.80% $5000.00 and over 0.90% 0.90% Christmas/Vacation Share Account All Balances 1.00% 1.00% Share IRA 1.25% 1.25% Starter Saver Share Account $0.00 - 499.99 0.00% 0.00% $500.00 and over 0.95% 0.95% Platinum Shares Account $10,000.00 and over 1.55% 1.55% $5,000 - $9,999.99 1.25% 1.25% $1,000 - $4,999.99 1.10% 1.10% $999.99 and below no dividend 0.00% Money Market Share Draft $0.00 - $1,999.99 no dividend 0.00% $2,000.00 - $9,999.99 0.60% 0.60% $10,000.00 and over 0.95% 0.95% *Minimum balance of $25 to earn dividend. Shares are federally insured by NCUA. These dividend rates and annual percentage yields may change as determined by the Credit Union Board of Directors. Contact a LCU Representative online or call (731) 664-1784 or 800-227-1893 for the most current rates.