South Bay Credit Union

Consumer Loans

Loan Rate Summary Sheet Effective 01/09/2012

APR = Annual Percentage Rate. The rates quoted are the lowest possible rates currently available. The applicant’s loan rate may be higher based upon their personal recorded credit experience. All rates are determined by an evaluation of applicant credit. Your rate may vary from the one listed on this schedule. Please see a loan representative for your qualified rate. Rates are subject to change with notice.

Secured Loans

	Term	APR	Daily Period Rate
New or Used Auto	48 months or less	3.00%	0.008219178
New or Used Auto	49 to 60 months	3.25%	0.008904109
New or Used Auto	61 to 72 months	3.50%	0.009589041
New or Used Auto	73 to 84 months	3.75%	0.010273972
Boats, RVs, Motorcycles & Collector Cars	Up to 84 months	8.25%	0.022602739

ADDITIONAL PRODUCTS:

· ADD 1.00% APR for Auto Equity Loans

Terms Applicable to Auto Loans

· California Registered Vehicles ONLY

· 2005 and newer

· Used includes pre-owned current year vehicles with more than 10,000 miles

Unsecured Loans

	Term	APR	Daily Period Rate
VISA Platinum	25 day grace period, no annual fee	8.99%	0.02463013
VISA Classic		10.99%	0.03109589
Signature Loans		11.75%	0.03219178

Share/Savings/CD Secured Loans

	Term	APR	Daily Period Rate
Share Secured	(no certificates or IRA’s)	3.10%	.008493150
Certificate Secured	(no IRA’s or shares)	Interest Rate + 3%	.008219178

Which payment is right for you? Use our financial calculators to determine the best product/term.

Savings Rates (Savings/Checking/Money Market Savings)

Rates as of February 1, 2011 Rates subject to change without notice. All Accounts insured to $250,000 by American Share Insurance.

Savings, Checking Accounts (Plus and E-Checking)

Savings Accounts (Primary, Secondary & Holiday Club)
Average Daily Balance	Prospective Dividend Rate	Prospective Annual Percentage Yield (APY)
$0.01 and above	0.100%	0.100%
Checking Accounts (Plus and E-Checking)
Average Daily Balance	Prospective Dividend Rate	Prospective Annual Percentage Yield (APY)
$0.01 and above	0.050%	0.050%
Traditional & Roth Individual Retirement Accounts (IRAs)
Average Daily Balance	Prospective Dividend Rate	Prospective Annual Percentage Yield (APY)
$0.01 and above	0.698%	0.700%

Money Market Accounts

Average Daily Balance	Prospective Dividend Rate	Prospective Annual Percentage Yield (APY)
$2,500 - $9,999	0.200%	0.200%
$10,000 - $49,999	0.349%	0.350%
$50,000 - $99,000	0.399%	0.400%
$100,000 and above	0.499%	0.500%

The minimum average daily balance required to earn the disclosed APY is as set forth above.

The minimum balance required to open and maintain the Traditional and Roth IRA Savings Account is $50.

The minimum balance required to open and maintain all other accounts is as set forth in the Account Agreement and Truth-In-Savings Disclosure.

For all Savings, IRA Savings and Money Market Accounts, dividends are paid from current and available earnings, after required transfers to reserves at the end of a dividend period. The Dividend Rate and APY on such accounts are subject to change.

Savings Accounts: If your average daily balance is more than $0 the prospective Dividend Rate and prospective APY as set forth above will be paid on the entire account balance for the dividend period.

For all Plus and E-Checking Accounts, dividends are paid from current and available earnings, after required transfers to reserves at the end of a dividend period. The Dividend Rate and APY on such accounts are subject to change.

Plus and E-Checking Accounts: If your average daily balance is more than $0 the prospective Dividend Rate and prospective APY as set forth above will be paid on the entire account balance for the dividend period.

Money Market Accounts: If your average daily balance is more than $2,499.99 but less than $10,000 the prospective Dividend Rate and prospective APY as set forth above will be paid on the entire account balance for the dividend period. If your average daily balance is more than $9,999.99 but less than $50,000 the prospective Dividend Rate and prospective APY as set forth above will be paid on the entire account balance for the dividend period. If your average daily balance is more than $49,999.99 but less than $100,000 the prospective Dividend Rate and prospective APY as set forth above will be paid on the entire account balance for the dividend period. If your average daily balance is $100,000 or more, the prospective Dividend Rate and prospective APY as set forth above will be paid on the entire account balance for the dividend period.

Fees and other conditions could reduce earnings on any of the listed accounts as set forth in the Credit Union’s Account Agreement and Truth-In-Savings Disclosure.

Which product is right for you? Use our financial calculators to determine the best product/term.

Certificates

Share Certificate Accounts
Minimum Balance: $1,000

Average Daily Balance	Prospective Dividend Rate	Prospective Annual Percentage Yield (APY)
3 month	0.20%	0.200%
6 month	0.399%	0.400%
12 month	0.499%	0.500%
18 month	0.598%	0.600%
24 month	0.995%	1.000%
36 month	1.243%	1.250%
48 month	1.391%	1.400%
60 month	1.588%	1.600%

The minimum balance required to open and maintain each Term Share (Certificate) Account is as set forth above. The minimum balance required to open and maintain each Term Share (Certificate) Account opened as a Traditional and Roth IRA is as set forth above.

The minimum balance required to earn the disclosed APY for each Term Share (Certificate) Account is as set forth above. For purposes of this disclosure, such Dividend Rates and APYs were offered within the most recent seven (7) calendar days and were accurate as of the last date as set forth above. Please call (310) 374-3436 to obtain current rate information for such accounts.

Dividends are paid from current and available earnings, after required transfers to reserves at the end of a dividend period. A substantial penalty may be imposed for early withdrawal.

The applicable Dividend Rate and APY as set forth above for each Term Share (Certificate) Account will be paid for the length of the term listed.

Fees and other conditions could reduce earnings on any of the listed accounts as set forth in the Credit Union’s Account Agreement and Truth-In-Savings Disclosure.

Which product is right for you? Use our financial calculators to determine the best product/term.

Individual Retirement Accounts (IRAs)

IRA Share Certificates
Minimum Balance: $1,000

Average Daily Balance	Prospective Dividend Rate	Prospective Annual Percentage Yield (APY)
3 month	0.200%	0.200%
6 month	0.399%	0.400%
12 month	0.499%	0.500%
18 month	0.598%	0.600%
24 month	0.995%	1.000%
36 month	1.243%	1.250%
48 month	1.391%	1.400%
60 month	1.588%	1.600%

The minimum balance required to open and maintain each Term Share (Certificate) Account is as set forth above. The minimum balance required to open and maintain each Term Share (Certificate) Account opened as a Traditional and Roth IRA is as set forth above. **For the 15 Month Term Share (Certificate) – Currently not offering; disclosed for indexing purposes only on existing accounts. Upon maturity of existing accounts, funds will automatically transfer to a 12 Month Term Share (Certificate) Account at the prevailing Dividend Rate and APY.

The minimum balance required to earn the disclosed APY for each Term Share (Certificate) Account is as set forth above. For purposes of this disclosure, such Dividend Rates and APYs were offered within the most recent seven (7) calendar days and were accurate as of the last date as set forth above. Please call (310) 374-3436 to obtain current rate information for such accounts.

Dividends are paid from current and available earnings, after required transfers to reserves at the end of a dividend period. A substantial penalty may be imposed for early withdrawal.

The applicable Dividend Rate and APY as set forth above for each Term Share (Certificate) Account will be paid for the length of the term listed. **For the 15 Month Term Share (Certificate) Account (including Accounts opened as Traditional and Roth IRAs), the Accountholder may bump up the Dividend Rate and APY once during the term. To bump up the Dividend Rate and APY, the Accountholder must notify the Credit Union in writing. The bump up Dividend Rate and APY would be the disclosed Dividend Rate and APY in effect on the date the Credit Union receives the Accountholder’s written notification.

Fees and other conditions could reduce earnings on any of the listed accounts as set forth in the Credit Union’s Account Agreement and Truth-In-Savings Disclosure.

Which product is right for you? Use our financial calculators to determine the best product/term.

Mortgage Loans

HOME AND REAL ESTATE LOAN RATES
California Only. All Rates are expressed in terms of Annual Percentage Rate = APR

1^st TD Real Estate

Refinance Loans Only. The maximum LTV is 80%. The LTV is determined by an evaluation of applicant credit. Your LTV may vary from 80%.

Refinance Loans, 1^st TD, Conforming ($471,000 and under; LA and Orange County $625,500 and under)

Term	Rate	0.00 Points	1.00 Point
30 yr 20 yr	Fixed Fixed	4.000% APR 3.875% APR	3.875% APR 3.750% APR
15 yr 10 yr	Fixed Fixed	3.750% APR 3.625% APR	3.125% APR 3.000% APR
30 yr	ARM 10/1*	3.875% APR	3.750% APR
30 yr	ARM 7/1*	3.750% APR	3.500% APR

DISCOUNTS

DEDUCT .250% APR on all loans with LTV less than 50%

ADDITIONAL PRODUCTS:

ADD 0.750% APR to Investment Properties/Second Homes

ADD 0.625% APR for Agency Jumbo Loans $417,001 and up ($625,500 and up for LA and Orange County)

ADD 1.000% APR for Jumbo Non-Conforming $729,751 to $1,000,000, minimum down is 25%

OTHER:

Other Products and Terms are available through our Broker/Partner

American Family Funding, Fred Kreger (661) 284-1150 www.affloans.com

*Terms applicable to ARM 7/1 and 10/1:

· The One Year Treasury Note beginning on February 1, 2012 is 0.12%

· The current fully indexed APR is 2.86%. The rate at origination is based on market rates and not the index rate which is one-year Treasury note plus 2.75%. The maximum interest rate is capped at 9.750% APR.

2^nd TD Real Estate

Owner Occupied, Maximum LTV is 75%. The LTV is determined by an evaluation of applicant credit. Your LTV may vary from 75%.

Term	Rate	0.00 Points	1.00 Point
15 yr	Fixed – up to $250,000	5.250% APR	5.000% APR
25 yr	Variable HELOC – up to $250,000**	4.000% APR**

**Terms applicable to Home Equity Line of Credit HELOC Loans

· The Prime Rate for the HELOC, effective the beginning of February 1, 2012 is 3.250%

· Current fully indexed APR is 3.250%. Rate is based upon prime rate plus 0.00%, minimum interest rate of 4%, which is the floor rate.

· The maximum interest rate cannot exceed 18.000% APR.

· The rate is subject to change at the first of each month.

· The draw period is for 10 years and payments are interest only during this time. After the draw period, the loan is fully amortized to payoff for 15 years. All loans are subject to credit approval, title search, and verification of equity. Homeowners insurance and flood insurance, if applicable, is required. Consult your tax advisor for potential tax breaks.

Which payment is right for you? Use our financial calculators to determine the best product/term.