Dividend Rates Loan Rates Fees and Charges

SHARE RATES

Rates Effective 7/1/2010

A $5 initial deposit plus a $1 fee is required to join the credit union. All dividend rates are subject to available earnings and may change at any time. Dividends are paid at the end of each quarter and are not paid on accounts if the balance drops below $50 at any time within the dividend period. Deposits are insured to at least $250,000 by an agency of the Federal government and backed by the full faith and credit of the United States Treasury.

Account Type	Rate	APY
Regular Share (Savings)	0.399%	0.40%
Christmas Club	0.399%	0.40%
Prestige Club Checking	0.399%	0.40%

MONEY MARKET RATES

Rates Effective 6/1/2010

A $2,500 deposit is required to open a Money Market account. All dividend rates are subject to available earnings and may change at any time. Dividends are paid monthly and are not paid on accounts if the balance drops below $2,500 at any time within the dividend period. Withdrawals must be made in $100 increments and a maximum of four withdrawals are allowed each month. Additional withdrawals are subject to a $5 fee and may result in closure of the account. Deposits are insured to at least $250,000 by an agency of the Federal government and backed by the full faith and credit of the United States Treasury.

Account Type	Rate	APY
$2,500 to $4,999	0.648%	0.65%
$5,000 to $9,999	0.797%	0.75%
$10,000 or more	0.946%	0.95%

CERTIFICATE RATES

Rates Effective 6/1/2010

Certificate rates are subject to change without notice. There may be a penalty for early withdrawal. The minimum investment to obtain the stated APY is $1,000 and $50,000 as indicated. Dividends on certificates in amounts less then $50,000 are paid at maturity. Dividends on certificates in amounts of $50,000 and more are paid monthly. Dividends on IRA Shares are paid quarterly and dividends on IRA Certificates are paid monthly. Deposits are insured to at least $250,000 by an agency of the Federal government and backed by the full faith and credit of the United States Treasury.

Minimum	$1,000		$50,000
Term	APY	Prestige APY*	APY	Prestige APY*
2 Months	0.95%	1.10%	1.05%	1.20%
6 Months	1.25%	1.40%	1.35%	1.50%
12 Months	1.55%	1.70%	1.65%	1.80%
24 Months	2.00%	2.15%	2.10%	2.25%
36 Months	2.50%	2.65%	2.60%	2.75%
48 Months	2.70%	2.85%	2.80%	2.95%
60 Months	2.90%	3.05%	3.00%	3.15%

* With Prestige Club checking

IRA RATES

IRA Share Rates Effective 7/1/2010
IRA Certificate Rates Effective 6/1/2010

IRA CDs Minimum $1,000

Term/Type	Rate	Prestige APY*
Share (Savings)	1.145%	1.15%
6 Month CD	1.490%	1.50%
12 Month CD	1.785%	1.80%
24 Month CD	2.227%	2.25%
36 Month CD	2.716%	2.75%
48 Month CD	2.911%	2.95%
60 Month CD	3.105%	3.15%

APY= Annual Percentage Yield

* With Prestige Club checking

LOAN RATES

Rates as of 01/22/2007

Loan rates and terms may vary based on credit history and are subject to change without notice. Full coverage insurance required on all collaterized loans. Rates displayed are the lowest available to qualified borrowers and include .25% discount for having direct deposit of your net payroll into a First Community Credit Union Checking (Share Draft) Account. Your rate and terms may be different and will be determined by individual credit worthiness including income, debt ratio, employment and credit history. For additional information call the Loan Department at (931) 388-3689.

New Vehicles

Loan Programs	Down Payment	Best APR⁽¹⁾	Daily Periodic Rate⁽¹⁾
Car, SUV, Pickup or Van (Current and previous 2 model years)
Up to 36 months	0% - 20%	3.45%	0.010822%
Up to 48 months	0% - 20%	3.70%	0.011507%
Up to 60 months	0% - 20%	3.95%	0.012192%
Up to 72 months $20,000 Minimum	0% - 20%	4.20%	0.012877%
Up to 84 Months $30,000 Minimum	0% - 20%	4.45%	0.013562%

Used Vehicles

Loan Programs	Down Payment	Best APR⁽¹⁾	Daily Periodic Rate⁽¹⁾
Car, SUV, Pickup or Van (4 through 7 model years old)
Up to 36 months	0% - 20%	4.45%	0.013562%
Up to 48 months	0% - 20%	4.70%	0.014932%
Up to 60 months	0% - 20%	4.95%	0.016301%

RVs, Travel Trailers, Boats and Motorcycles > 1000cc

Loan Programs	Down Payment	Best APR⁽¹⁾	Daily Periodic Rate⁽¹⁾
New Recreational Vehicles Motorized or Non-Motorized Last two model years and classified as new on dealer purchase order.
Up to 60 months	20%	7.45%	0.020411%
Up to 120 months $25,000 Minimum	20%	7.95%	0.021781%
Up to 180 months $40,000 Minimum	20%	8.45%	0.023151%
Used Recreational Vehicles Motorized or Non-Motorized
Up to 60 months	10%	8.45%	0.023151%
Up to 120 months $25,000 Minimum	10%	8.95%	0.024521%
Up to 180 months $40,000 Minimum	10%	9.45%	0.025890%

Farm Equipment
Other Secured Loans

Loan Programs	Down Payment	Best APR ⁽¹⁾	Daily Periodic Rate⁽¹⁾
New Tractors and Lawn Mowers Last two model years or never titled Full coverage Insurance Required.
Up to 60 months	0%	6.45%	0.017671%
Up to 72 months $15,000 Minimum	0%	6.70%	0.018356%
Used Tractors and Lawn Mowers Full coverage Insurance Required.
Up to 48 months	0% - 10%	7.45%	0.020411%
Up to 60 months $15,000 Minimum	0% - 10%	7.95%	0.021781%
Other Secured - New Motorcycles, ATV's, SeaDoos, & Jet Skis Full coverage Insurance Required.
Up to 48 months	20%	7.70%	0.021096%
Up to 60 months	20%	7.95%	0.021781%
Other Secured - Used Motorcycles, ATV's, SeaDoos,& Jet Skis 1998 or Older Used Car, SUV, Pickup or Van Full coverage Insurance Required.
Up to 48 months	20%	8.70%	0.023836%
Up to 36 months	20%	9.20%	0.025205%

Signature/Personal Loans

Loan Programs	Best APR⁽¹⁾	Daily Periodic Rate⁽¹⁾
Shared Secured Loan
Up to 12 months Up to 90% of Share Balance	4.00%	0.010959%
Certificate Secured Loans
Minimum of 3 months Up to 95% of Certificate Balance	2.50% Above Certificate Rate	Daily Varies with Cert Rate
Signature Line of Credit
Up to 60 months Up to 2x Monthly Salary $10,000 Maximum	9.45%	0.025890%
Christmas or Vacation Loan
Up to 12 months $1,200 Maximum	11.50%	0.031507%
PayDay Loan
Up to 2 months $500 Maximum	11.50%	0.031507%
HELOC - Home Equity Line of Credit
10 Year Draw 15 Year Repayment $10,000 Minimum $100,000 Maximum	Prime Rate +1.50% to Prime Rate +7.00%	Call for current DPR
First Mortgage Real Estate Loan
First Community Credit Union offers a wide variety of mortgage loan products. Purchasing or Financing has never been easier. Please allow us to assist you with these important decisions. If you are considering purchasing a new home or refinancing an existing one, call or visit our Mortgage Resource Center (1-800-732-5182, extension 337) for current rates and information.

(1) RISK BASED LENDING: Your Annual Percentage Rate and Daily Periodic Rate may vary depending on your creditworthiness. Please ask a loan officer for details regarding how your rate is determined.

CERTIFICATE SECURED: The Annual Percentage Rate (APR) for Certificate Secured new advances and existing balances will change on the date the certificate offered as security is renewed. The certificate must be renewed until the outstanding balance is completely paid off. Failure to renew the certificate will result in default under the Plan. The index is the rate being paid on the certificate offered as security( Index). If more than one certificate is security for the advance, the Index is based on the certificate of the highest rate. The APR will be the index plus the % Above Index shown above. The APR will never be higher than the amount allowed by law. Any increase or decrease in the APR will take the form of more or fewer payments of the same amount until what you owe has been repaid.

LATE CHARGES: You will be charged $10.00 after the tenth day your payment is due.
COLLECTION COSTS: You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.
LOAN PROCESSING FEE: $35.00 charged every time a loan is processed.
CREDIT REPORT FEE: Every six months we have to update your credit file, you will be charged $15.00 every time we run a credit report.
GAP INSURANCE: A one-time fee of $250.00.
CARFAX REPORT: $10.00 per report.
TEMPORARY LIEN FEE: $10.00.
LIEN RECORDING FEE: $10.50
UCC1 FILING FEE: $15.00 Plus .00115 x amount over $2,000
UCC1 TERMINATION FEE: $15.00

MEMBER FEES

Effective June 1, 2010

The following fees and charges will be assessed
against your account:

Service	Fee/Charge
Statement Copies	$5 per copy (Free Online)
Dormant Account Fee	$5 per month
Wire Transfer Fee	$15 per outgoing transfer $0 per incoming transfer $50 for International
Regular Share Draft Account Minimum Balance Violation	$5 per month
All Other Accounts Minimum Balance Violation	$5 per day
Share Account Excess Withdrawal Fee	$1 per withdrawal
Money Market Account Excess Withdrawal Fee	$5 per withdrawal
Share Draft Copy Fee	$3 per copy (Free Online)
Automatic Transfer from Savings to Cover Overdraft in Checking	$5 per transfer
Certified Checks/Money Orders	$2 per check
Stop Payment Order Fee	$25 per order
Share Draft Reconciliation Fee	$25 per hour
Research Fee	$25 per hour
NSF-Returned Check Fee	$29 per check
NSF-Returned ACH Fee	$29 per item
NSF-Hold Check Fee	$29 per check
NSF-Hold ATM/Check Card Fee	$29 per item
Corporate Check Fee	$1 per check (3 free per month)
Check Printing Fee	$16.53 per 150 checks (Varies depending on check style)
VISA Gift Card Fee	$2 per card
VISA TravelMoney Card Fee	$8.95 per card (additional fees may apply)
FAX Transmission Fee: Local - Non-local -	$0.25 per page $1.00 per page
Account Printout Fee	$0.50 per printout (Free Online)
Returned Deposit Item Fee	$5 per item

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