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The following are Encore Federal Credit Union rates effective February 1, 2012.

All rates listed are subject to change without notice.

Your Primary Share Account, the one you established to qualify for membership, is subject to a tiered Fixed Rate, and will earn dividends at a rate commensurate with the average daily balance for the dividend period. The applicable balance requirement, dividend rate and corresponding Annual Percentage Yield are set forth below:

Share Rates

Balance Requirements	Dividend	APY*
$5.00 - $10,000.00	0.10%	0.10%
$10,000.01 - $25,000.00	0.15%	0.15%
$25,000.01 & Greater	0.25%	0.25%

Secondary Share Accounts are subject to a Fixed Rate. The dividend rate is 0.10% with a corresponding Annual Percentage Yield of 0.10%.

*APY = Annual Percentage Yield

Secured Loans

	Term	Fixed APR*	Estimated Mo. Pymt. based on max.mos. per $1000
Share Secured	36 months	5.25%	$30.08
New Vehicles
	24 months	3.15%	$43.05
with e-Statement		1.99%	$42.54
	36 months	3.15%	$29.15
with e-Statement		1.99%	$28.64
	48 months	3.15%	$22.20
with e-Statement		1.99%	$21.69
	60 months	3.40%	$18.15
with e-Statement		1.99%	$17.52
	66 months	3.45%	$16.66
$25,000 minimum	72 months	3.65%	$15.49
$35,000 minimum	84 months	4.40%	$13.85
Used Vehicles (up to 7-years old)
	24 months	3.50%	$43.20
with e-Statement		1.99%	$42.54
	36 months	3.50%	$29.30
with e-Statement		1.99%	$28.65
	48 months	3.70%	$22.45
with e-Statement		1.99%	$21.69
Applicable to 2009 models or newer	60 months	3.70%	$18.28
with e-Statement		1.99%	$17.52
New and Used Boats
	36 months	5.75%	$30.31
	48 months	6.25%	$23.60
Applicable to 2009 or newer	60 months	6.50%	$19.57
$30,000 minimum; new models only	72 months	6.75%	$16.38
New Motor Homes
100% Purchase Price	84 months	7.75%	$15.44
Used Motor Homes
100% NADA Average Retail Value	84 months	8.25%	$15.71

*APR=Annual Percentage Rate

100% financing applies to all new vehicles. Used vehicles seven years old or newer are financed at 100% of the NADA average retail value or invoice price, which ever is less.

Other Loans

	Term	APR*	Estimated Mo. Pymt. based on max.mos. per $1000
Personal Loan (up to $10,000)	36 months	6.75%	$30.76
Personal Loan (up to $15,000)	48 months	8.75%	$24.77
Visa Platinum (no annual fee)		9.90%	Fixed Rate
Signature Line of Credit		13.90%	Fixed Rate
Home Equity Credit Line	180 months	Prime	Variable Rate
Borrow up to 80% of your home's appraised value to a maximum of $100,000. (Illinois only) The minimum Annual Percentage Rate at any time is 4.00%
Home Equity Credit Line	180 months	4.75%	Fixed Rate
Borrow up to 80% of your home's appraised value to a maximum of $100,000. (Illinois only)

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