Savings and Checking
Certificates
Loans
Home Equity and Mortgage

Savings and Checking Rates - Effective December 1, 2009

Savings and Checking Accounts	Dividend Rate	Annual Percentage Yield
Daily Access	.25%	.25%
Holiday Club
Daily balance of $100,000 or more	.10%	.10%
Daily balance of $2,000 or more	.10%	.10%
Daily balance up to $2,000	.05%	.05%
Vacation Club
Daily balance of $100,000 or more	.10%	.10%
Daily balance of $2,000 or more	.10%	.10%
Daily balance up to $2,000	.05%	.05%
Relationship Money Market Account
Daily balance of $100,000 or more	.75%	.75%
Daily balance of $50,000 or more	.50%	.50%
Daily balance of $25,000 or more	.25%	.25%
Daily balance of $2,500 or more	.10%	.10%
Daily balance up to $2,500	.05%	.05%
IRA	.25%	.25%
Easy, Eagle Plus, Golden Eagle Checking
Daily balance of $10,000 or more	.10%	.10%
Daily balance of $2,500 or more	.05%	.05%
Daily balance up to $2,500	.05%	.05%
High Yield Checking
Daily balance of $50,000 or more	.10%	.10%
SmartRate Checking
Daily balance up to $25,000	2.96%	3.00%
Daily balance of $25,000 or more	.50%	.50%
If requirements are not met	.05%	.05%

Regular and IRA Certificate Rates* - Effective December 1, 2009

Use our Retirement Calculator to help you plan for retirement!

Certificates	Dividend Rate	Annual Percentage Yield
1 Month
$0.00 - $9,999.99	.40%	.40%
$10,000.00 - $49,999.99	.40%	.40%
$50,000.00 - $99,999.99	.40%	.40%
3 Month
$0.00 - $9,999.99	.40%	.40%
$10,000.00 - $49,999.99	.40%	.40%
$50,000.00 - $99,999.99	.40%	.40%
6 Month
$0.00 - $9,999.99	.50%	.50%
$10,000.00 - $49,999.99	.50%	.50%
$50,000.00 - $99,999.99	.50%	.50%
$100,000+	.55%	.55%
9 Month
$0.00 - $9,999.99	.90%	.90%
$10,000.00 - $49,999.99	.90%	.90%
$50,000.00 - $99,999.99	.90%	.90%
$100,000+	.995%	.995%
12 Month
$0.00 - $9,999.99	.90%	.90%
$10,000.00 - $49,999.99	.90%	.90%
$50,000.00 - $99,999.99	.90%	.90%
$100,000+	.995%	.995%
18 Month
$0.00 - $9,999.99	1.09%	1.09%
$10,000.00 - $49,999.99	1.09%	1.09%
$50,000.00 - $99,999.99	1.09%	1.09%
$100,000+	1.14%	1.15%
2 Year
$0.00 - $9,999.99	1.24%	1.25%
$10,000.00 - $49,999.99	1.24%	1.25%
$50,000.00 - $99,999.99	1.24%	1.25%
$100,000+	1.24%	1.25%
3 Year
$0.00 - $9,999.99	1.34%	1.35%
$10,000.00 - $49,999.99	1.34%	1.35%
$50,000.00 - $99,999.99	1.34%	1.35%
$100,000+	1.39%	1.40%
5 Year
$0.00 - $9,999.99	1.44%	1.45%
$10,000.00 - $49,999.99	1.44%	1.45%
$50,000.00 - $99,999.99	1.44%	1.45%
$100,000+	1.49%	1.50%

*Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. $500 minimum deposit for all certificates. Please use the Secure Form in WebBanking to open a certificate or contact Member Services at 336.774.3400 / 800.782.4670.

Loan Rates** - Effective February 11, 2010

Try our convenient Loan Calculator and Loan Comparison Calculator!

Installment Loans Payroll Deduction or Automatic Draft APR Non-Payroll Deduction APR New Vehicle (Term: 1 to 71 Months)1,3,4 3.50% 4.00% New Vehicle (Term: 72 Months)1,3,4 3.55% 4.05% Used Vehicle (Term: 1 to 71 Months)2,3,4 3.90% 4.40% Used Vehicle (Term: 72 Months)2,3,4 3.95% 4.45% New Custom Van3 8.15% 8.65% Used Custom Van3 9.90% 10.40% New Trailer/Tractors 10.00% 10.50% New Boats and Motor Homes 10.00% 10.50% Used Boat/Trailer/Tractors 11.00% 11.50% Stock Loan 6.50% 7.00% Share Loan 5.75% 6.25% Consolidation Loan3 8.50% 9.00% Personal Loan - Misc. Collateral 13.50% 14.00% Personal Loan - Comaker 14.00% 14.50% Personal Loan - Unsecured3 14.25% 14.75% Computer Loan3 6.25% 6.75% Student Loan 7.25% 7.25%

⁽¹⁾ Up to 100% of Purchase Price not to exceed 10% over the Manufacturer's Suggested Retail Price (MSRP)
⁽²⁾ NADA retail value (based on credit worthiness), 90% of List Price if automobile does not appear in NADA Guide
⁽³⁾ Loan Rates subject to determination of credit worthiness.
⁽⁴⁾ Additional .25% discount if you use the Credit Union Auto Buying Service (CUABS)

Line of Credit Options	Payroll Deduction or Automatic Draft APR	Non-Payroll Deduction APR
Unsecured	11.50%	12.00%
Stock Secured	6.50%	7.00%
Share Secured	5.25%	5.75%
Overdraft Protection	11.00%	11.00%

Single Payment	Payroll Deduction or Automatic Draft APR	Non-Payroll Deduction APR
Stock Loan	5.50%	5.50%
Share Loan	5.75%	5.75%
Personal Loan - Misc. Collateral	12.00%	12.00%
Unsecured Loan	13.50%	13.50%

**Annual Percentage Rate is subject to change during the term of the loan.

Click here! for a personalized Mortgage rate quote.

To view more information about what you can expect to pay for a mortgage, click here. You will be able to view payment information for all loan types based on a sample Mortgage rate quote.

Mortgage Loan Rates: Primary Residence - Effective March 16, 2010

Use our Mortgage Calculator to help you estimate your mortgage payments.

The rates posted are indications only. Please call 336-774-3400 or 800-782-4670
to receive accurate quotes (Monday - Friday, 8:15am to 4:30pm, Eastern Time.)

Product	Interest Rate	Points	Origination Fee	APR
Loan Amounts <= $417,000 (Conforming)
15 Year Fixed	4.250	0.000	.875	4.417
30 Year Fixed	4.875	0.000	.875	4.975
15 Year FHA	4.750	0.000	1.000	4.967
30 Year FHA	5.250	0.000	1.000	5.473
15 Year VA	4.750	0.000	1.000	4.967
30 Year VA	5.250	0.000	1.000	5.473
1/1 ARM	N/A	0.000	N/A
2 Yr ARM	N/A	0.000	.875	N/A
5/1 ARM	N/A	0.000	.875	N/A
7/1 ARM	N/A	0.000	.875	N/A
Loan Amounts > $417,000 (Jumbo)
15 Year Fixed	5.500	0.000	.875	5.676
30 Year Fixed	6.250	0.000	.875	6.386
1/1 ARM	N/A	0.000	.875	N/A
2 Yr ARM	N/A	0.000	.875	N/A
5/1 ARM	N/A	0.000	.875	N/A
7/1 ARM	N/A	0.000	.875	N/A

Rate Assumption: Rates, APR calculations are based on the following assumptions: A loan amount of $150,000 (for conforming product) or $417,001 (for Jumbo product), 1% origination fee, 20% down payment, first-lien owner occupied property, purchase transaction and a 55-day lock. Other restrictions may apply. Your actual rate is determined by the loan program you select, the amount you borrow, your credit history, and other factors. Rates are subject to change any time without notice. Posted rates may assume the servicing of your mortgage will be sold. If you prefer that Allegacy retains your servicing, please let us know; your rate will be slightly higher.

Higher loan-to-values are available at slightly higher rates.
We now have loans for members with less than perfect credit.

Other Products/Programs Available: -Affordable Housing Mortgages -Expanded Criteria -Free Prequalification -Manufactured Housing Mortgages (.375 Additional rate applies.) -Preapproved Mortgages -Second Homes -Investment Property

Equity Line of Credit***	Annual Percentage Rate
Primary Residence up to $350,000†	Prime5,6 - .25%
Secondary Residence**** up to $100,000†	Prime5,6 + .25%

Closed-End Equity	Payroll Deduction or Bank Draft APR	Non-Payroll Deduction APR
Primary Residence	7.24%	7.74%
Second Home	7.74%	8.24%

***All Allegacy mortgage loans are subject to legal requirements in the member's state of primary residence. First mortgages are available in California, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Maryland, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Texas, Virginia and West Virginia (same as equity plus California). Equity Lines of Credit are available in the following states: California (Mortgage Only), Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Maryland, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Texas (Closed-End Equity Only), Virginia and West Virginia.

****Home equity loans not available on second homes used as rental property; "second homes" are identified as beach, mountain, or lake homes used only by the Allegacy member.

†Rate can never be below the floor rate (Floor Rate is 4% as of 2/28/2009). Annual Percentage Rate is subject to change during the term of the loan.

⁽⁵⁾ Prime Rate as published in The Wall Street Journal, adjusted quarterly for equity, monthly for Visa.
⁽⁶⁾ Maximum rate for Home Equity Lines of Credit is 18.00%.

This Credit Union is federally-insured by the National Credit Union Administration.