Department of Corrections Credit Union
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Current as of January 1, 2010.

Auto Type Maximum Term
ATV
up to 4 years
Boat
up to 8 years
Tractor
up to 5 years
Automobile
up to 7 years
Over 1-Ton Vehicle
up to 7 years
Motorcycle
up to 7 years
Motor Home
up to 10 years
Travel Trailer
up to 10 years
Movable Mobile/Manufactured Home†
up to 10 years
†Single or Double - The annual percentage rate will be
based on a loan with 85% Loan-to-Value using an appraised value.

Loan Term Annual Percentage Rate²
3 years
As Low As 4.75%
4 years
As Low As 5.00%
5 years
As Low As 5.50%
6 years
As Low As 6.00%
7 years
As Low As 7.00%
8 years
As Low As 7.75%
9 years
As Low As 8.00%
10 years
As Low As 8.25%
²Additional 0.25% discount on annual percentage rate is available with payment through Direct Deposit.

Auto Type Maximum Term
ATV
up to 4 years
Boat
up to 8 years
Tractor
up to 5 years
Automobile*
up to 5 years
Over 1-Ton Vehicle
up to 5 years
Motorcycle*
up to 5 years
Motor Home
up to 7 years
Travel Trailer
up to 7 years
Movable Mobile/Manufactured Home†
up to 10 years
†Single or Double - The annual percentage rate will be
based on a loan with 85% Loan-to-Value using an appraised value.
*Models 4 years and older, maximum term is 4 years.

Loan Term Annual Percentage Rate²
3 years
As Low As 4.75%
4 years
As Low As 5.00%
5 years
As Low As 5.50%
6 years
As Low As 6.00%
7 years
As Low As 7.00%
8 years
As Low As 7.75%
9 years
As Low As 8.00%
10 years
As Low As 8.25%
²Additional 0.25% discount on annual percentage rate is available with payment through Direct Deposit.

Loan Type APR
Secured L.O.C.
As Low As 8.00%
Unsecured L.O.C.
As Low As 8.50%
Insurance
As Low As 8.00%
Tuition
As Low As 5.50%
Vacation
As Low As 8.00%
Overdraft Protection
As Low As 12.50%
Problem Solver
As Low As 16.25%
³L.O.C. here refers to the "Line of Credit"

Up to a 12 year ammortization with a 3 year balloon
2% above earnings on pledged share account

Term cannot exceed certificate maturity
2% above earnings on certificate

Visa Type Annual Percentage Rate
VIP
8.90%
Classic
12.90%
Secured (deposit required)
12.90%
Maximim Credit Limit: $20,000.

Call mortage loan officer for current rates and availability
Local: 225.342.6618 ext. 221 or
Toll Free: 1.877.362.7005 ext 221

Deposit rates are anticipated for the 3rd Quarter 2009, and are subject to revision by the board of Directors. Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period.

Type Avg. Daily Balance Dividend Rate APY
Regular Shares
$20 to $2,499.99 0.748% 0.750%
$2,500 and over 0.748% 0.750%
Share Drafts
  0.250% 0.250%
Christmas Club
paid on $200 or over 0.748% 0.750%
IRA Shares
  0.748% 0.750%
APY here stands for "Annual Percentage Yield"

Type Term Dividend Rate APY
Share Certificate**
6 months 1.244% 1.250%
($500 minimum)
1 year 1.492%

1.500%

2 years 1.985% 2.000%
3 years 2.477% 2.500%
4 years 2.918% 2.950%
5 years 2.967% 3.000%
IRA Certificate**
6 months 1.244% 1.250%
($500 minimum)
1 year 1.492% 1.500%
2 years 1.985% 2.000%
3 years 2.477% 2.500%
4 years 2.918% 2.950%
5 years 2.967% 3.000%
APY here stands for "Annual Percentage Yield"
**Early Withdrawal penalty: smaller of the two, dividends earned or 30 days dividends (6 month & 1 year certificates) / 90 days dividends (2, 3, 4 & 5 year certificates)