Current Rates || Heritage South Credit Union, Sylacauga, AL

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Monday, January 5, 2009

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About Heritage South

Current Rates

updated December 23, 2008

** rates are subject to change without notice, certain rules and restrictions apply
all accounts are insured by NCUA, American Share Insurance, and Equal Housing Lender

You can check some of our standard rates anytime, anywhere from your mobile phone by visiting myhscu.com/onthego from your cellphone's web browser.*

Mortgage Loan Rates

Term	Rate	Max LTV	Index per Product
30 Year 5/5 Index:60 day Freddie Mac rounded to the nearest 1/4%	6.00% 6.75% 7.25%	90%: A/B Paper 95%: A/B Paper 85% C/D Paper	Index Rate Index + 75 basis points Index + 120 basis points
15 Year 5/5 Index:60 day Freddie Mac - 25 basis points	5.75% 6.50% 7.00%	90%: A/B Paper 95%: A/B Paper 85% C/D Paper	Index Rate Index + 75 basis points Index + 120 basis points
15 Year Fixed Index:60 day Freddie Mac + 75 basis points	6.75% 7.50% 8.00%	90%: A/B Paper 95%: A/B Paper 85% C/D Paper	Index Rate Index + 75 basis points Index + 120 basis points
HELOC Variable Rate Adjusted Annually	5.00% 6.00% 7.00%	A Paper B Paper (80% max) C Paper	Prime Rate Prime Rate plus One Prime Rate plus Two
Express Equity Fixed	5.50%	> 700 Beacon Score	Prime Rate +50 basis points

Secured Loan Rates

Term	A	B	C	D
up to 36 months	4.50	4.75	10.00	18.00
up to 48 months	4.75	5.75	11.00	18.00
up to 60 months	5.00	5.75	11.25	18.00
up to 84 months	5.25	6.75	11.50	n/a
up to 120 months	6.50	7.25	12.00	n/a

Unsecured Loan Rates

Term	ARate	BRate	CRate	DRate
up to 24 months	10.25	11.25	17.00	18.00
up to 36 months	10.25	11.25	17.00	n/a

Share Accounts	Dividend Rate (%)	APY* (%)
Regular Shares (Savings)	0.75	0.75
Christmas Club	0.50	0.50
Individual Retirement Accounts	2.00	2.00
Money Market $2,500 - $4,999	1.00	1.01
Money Market $5,000 - $10,000	1.24	1.25
Money Market $10,001 - $25,000	1.49	1.50
Money Market over $25,000	1.74	1.75
Prestige Checking	0.50	0.50

* APY = Annual Percentage Yield

Certificates	Div. Rate	APY* (%)	Term
6 Mth CD	3.00	3.04	6
12 Mth CD	3.10	3.14	12
24 Mth CD	3.25	3.30	24
36 Mth CD	3.44	3.50	36
6 Mth CD w/Direct Deposit Checking	3.10	3.14	6
12 Mth CD w/Direct Deposit Checking	3.19	3.24	12
24 Mth CD w/Direct Deposit Checking	3.44	3.50	24
36 Mth CD w/Direct Deposit Checking	3.71	3.77	36
IRA Certificate	3.71	3.77	36

* APY = Annual Percentage Yield

* by visiting any website from your cellphone you are subject to the terms of your cellphone carrier and plan