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CURRENT INTEREST RATES

SHARE CERTIFICATES
TERM   RATE  
6 months   0.70%  
12 months   0.80%  
18 months   0.90%  
24 months   1.00%  
60 months   1.30%  

Early withdrawal penalties apply to above Share Certificates

PROPOSED RATES ON SHARE AND CHECKING ACCOUNTS

ACCOUNT AMOUNT RATE APY
Share $500-$1000 0.25% 0.26%
Over $1000 0.50% 0.52%
Checking $500-$1000 0.25% 0.26%
Over $1000 0.50% 0.52%

All rates are subject to change without notice

LOAN RATES

SHARE LOANS
TERM   RATE  
12 - 60 months   2.25%  

CERTIFICATE LOANS
TERM   RATE  
60 months maximum   2.25% over CD rate  

PERSONAL LOANS
TERM   RATE  
Up to 60 months   14.9% APR  

MOTOR VEHICLE LOANS (AUTOMOBILES & LIGHT TRUCKS)
TERM (10-20% DOWN)   YEAR RATE
72 months (new from dealer)   1 as low as 4.50%
60 months used   2011 7.00%
60 months   2010 7.25%
48 months   2009 7.75%
48 months   2008 8.25%
48 months   2007 8.75%
36 months   2006 9.00%

* All posted rates are subject to change without notice. Please call Credit Union for current rates.


OSNOVA Ukrainian FCU
5602 State Road Parma, OH 44134-2202 USA
Phone: 440-842-5888 Fax: 440-888-3450
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