Loan Rates (Effective March 20, 2012) TYPE  ANNUAL PERCENTAGE RATE New Car**  * Term: 60 months & under 3.00-4.00% Term: 72-84 months 4.50% Used Car**  *   2008-2010 4.50% 2004-2007 5.00% 2001-2003 6.00% 2000 and older 7.00% Credit Card Visa® 11.90% Visa® Gold 9.90% Visa® Share Secured 8.90% Home Equity Variable rate                   3% cap 5.00-5.45% First Mortgage Variable rate                    2% cap 5.95% Share Secured*   5.50% Line of Credit   15.00% Signature*   13.00% Consumer Goods* Vacation Loan   10.00% 9.95% **1.00% discount with 25% equity;    * 0.25% discount for automatic payment Interested in a loan with RCCU? Fill out our application at home and drop it off at your convenience. Be sure to print both the front and back pages. FRONT   BACK

Dividend Rates (Effective March 1, 2012)  TYPE   APR* APY** Basic Share   .25 .25% Kirby/Status One   .50% .50% Certificates ($1000 Minimum) 6 month 1.00% 1.00% 11month 1.15% 1.15% 12 month 1.25% 1.25% 19 month 1.50% 1.49%   36 month 1.55% 1.52% Kirby CD ($250 Minimum) 12 month 1.25% 1.25% Money Market up to $15,000 .50% .50% $15,001-$25,000 .65% .65% $25,001 and up .75% .75% IRA   1.50% 1.51%