LOAN RATES & GUIDELINES EFFECTIVE AUGUST 03, 2011

ECU and KCCU would like to lighten your financial burden by offering you the ability to "skip-a-payment". By contacting our Loan Department, we can arrange a 30 day extension on your scheduled loan payment for a small processing fee of $40.00.

Type Terms *Rate UNSECURED LOANS   Unsecured Loan Up to 12 months  9.90% Unsecured Loan 13 - 24 months 10.90% Unsecured Loan 25 - 48 months 11.90%   LINE OF CREDIT   Line of Credit 3.58% of unpaid balance; $10.00 minimum payment 12.90%   MASTERCARD       No annual fee. Required minimum balance of $18.00/month or 3% of outstanding balance. Gold   9.90%-18.00% Regular   12.90%-18.00% Secured   15.90%-18.00%   NEW AUTO (CURRENT YEAR - 1)    100% + Tax, Title, License, GAP coverage and Warranty   New Auto Up to 36 months 3.50% New Auto 37 - 48 months 3.80% New Auto 49 - 60 months 4.10% New Auto 61 - 72 months   4.50%* *Only on purchases over $35,000 USED AUTO    NADA Trade-In Value + adds   2008-2009 Models               Up to 60 months                                     4.50% 2006-2007 Models               Up to 48 months                                     4.90% 2005 & older               Up to 48 months                                     5.30% BALLOON NOTE   Balloon Note Up to 60 months New or Used car rate + 1.10%***  EQUITY   HOME EQUITY-LIMIT $7,500 Home Equity  Up to 60 months 5.50% Home Equity  61 - 120 months 6.00% Home Equity  121 - 180 months 6.50%   SHARE (DEPOSIT) SECURED LOAN   Share Secured Loan Up to 120 months 6.10%   ECU CERTIFICATE OF DEPOSIT SECURED LOAN  3.00% over the certificate rate or an average rate where multiple certificates are being used to secure a loan, not to exceed the term of the certificate     OTHER SECURED LOANS   The limit is set by law and Credit Union policy, repayment depends on security.  Call for rate information.     BOAT, MOTORCYCLE, AND TRAILER LOANS    New - 100% selling price; Used - NADA Trade-In Value   New Recreational Up to 72 months 6.00% Used Recreational Up to 72 months 6.40%   RECREATIONAL VEHICLES & EQUIPMENT    New - 100% selling price; Used - NADA Trade-In Value     New Up to 122 months                                    6.00% Used Up to 72 months                                    6.40%   HOME IMPROVEMENT LOAN   $7400 Limit  0 - 36 months 7.90% $7400 Limit 37 - 48 months 8.90% $7400 Limit 49 - 72 months 9.90%   REAL ESTATE   Call Loan Officer for information.  Real estate loans comply with the Fair Housing Act.   *As low as - All rates subject to change and can vary based on credit-worthiness and terms of the loan. **A .20% Discount available on unsecured and title secured loans with auto-pay ***Applies to vehicles current year -3

RATE DISCLOSURES

Unsecured, Line of Credit , Share (deposit) MasterCard and MasterCard loans may be granted at the discretion of the loan officer. Consideration for a loan is that a member have excellent credit rating; financially able to repay; is of good character; and purpose is for good reason. Line of Credit, Unsecured, Share (deposit) MasterCard and MasterCard loans may not exceed a combined total of $20,000.00 per member. If loans for PURCHASE exceed the collateralized loan limit, as stated, the published APR may be increased by 1%. when an unsecured loan is combined with a collateralized loan, and the total loan exceeds stated limits, the APR applicable to the unsecured loan will apply. Consistent with the needs of the member/borrower and the best interest of the Credit Union, a loan (open-end or closed-end) with a maturity of less than 30 months may be repaid by a single payment of principal if the Loan Officer finds loan shall provide for: payment of interest with each payment of principal, payment of interest not less frequently than annually and sufficient payments to pay the loan in full at maturity. Maximum secured loans may not exceed 10% unimpaired cash and surplus of the Credit Union. All loan applications not approved by the Loan Officer will be referred to the Loan Committee for approval or disapproval. Debt ratios in excess of 55% must be ratified by the President or Loan Manager. Shown above are the limitations and regulations as set by Credit Union Law and policies as set by our Board of Directors and are subject to change without notice.