Rates

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Autotruck Financial Credit Union
Loan Rates Effective December 8, 2011

Type of Loan APR** Term Payment Example

Autos, Trucks, Vans

New 2011-2012 models (4) As low as 2.25% 24 mo. $426.53 (based on $10,000)

As low as 2.25% 36 mo. $287.54 (based on $10,000)

As low as 2.25% 48 mo. $218.06 (based on $10,000)

As low as 2.25% 60 mo. $176.39 (based on $10,000)

As low as 2.75% 72 mo. (1) $301.67 (based on $20,000)

Used 2005-2010 models (4) As low as 3.50% 24 mo. $432.06 (based on $10,000)

As low as 3.50% 36 mo. $293.05 (based on $10,000)

As low as 3.50% 48 mo. $223.58 (based on $10,000)

As low as 3.50% 60 mo. $181.94 (based on $10,000)

As low as 4.00% 72 mo. (1) $312.94 (based on $20,000)

Boats, RVs, Campers

New 2011-2012 models (4) As low as 3.75% 60 mo. $183.06 (based on $10,000)

As low as 5.00% 73-120 mo. (1) $212.18 (based on $20,000)

As low as 5.25% 121-144 mo. (2) $234.43 (based on $25,000)

Used 2005-2010 models (4) As low as 5.00% 60 mo. $188.74 (based on $10,000)

As low as 6.25% 73-120 mo. (1) $224.62 (based on $20,000)

As low as 6.50% 121-144 mo. (2) $250.55 (based on $25,000)

Motorcycles

New 2011-2012 models (4) As low as 3.75% 60 mo. $183.06 (based on $10,000)

Used 2005 -2010 models (4) As low as 5.00% 60 mo. $188.74 (based on $10,000)

Signature/Unsecured

As low as 10.00% up to 60 mo. $106.67 (based on $5,000)

Home Equity Fixed Rate - Rates Based On Loan to Value of Up To 80%

As low as 5.25% up to 60 mo. $190.16 (based on $10,000)

As low as 5.50% up to 120 mo.
$217.42 (based on $20,000)

                                As low as 6.00%
up to 180 mo (3)
$252.97 (based
on $30,000)

Home Equity Line of Credit

Contact Credit Union For Rate And Term Information

Home Loans - Purchase or Refinance

Contact Credit Union For Rate And Term Information

Share Secured

share rate + 4.0% up to 120 mo.

Mobile Homes

2008-2012 models As low as 15.00% up to 120 mo. $322.69 (based on $20,000)

2007 and older models As low as 15.00% up to 60 mo. $475.75 (based on $20,000)

** Annual Percentage Rate. Rates effective December 8, 2011 and subject to change without notice.

(1) Loan amounts of $20,000 or more             (3) Loan amounts of $30,000 or more
(2) Loan amounts of $25,000 or more             (4) Includes .50% rate reduction for AFCU Checking AND

                                                                       Direct Deposit or Payroll Deduction of Payment

All rates except Home Equity Lines of Credit are fixed.

Important Notice THE FINAL ANNUAL PERCENTAGE RATE WILL BE BASED ON THE APPLICANT'S CREDIT SCORE AND MAY VARY FROM THE RATES LISTED ABOVE.

The Term and Amount Financed may vary based on vehicle condition and the applicant's credit history.

Autotruck Financial Credit Union
Savings Rates

Account Dividend Rate Annual Percentage Yield (APY) Minimum balance required to earn the stated APY.

Prime Shares
0.16%
0.16% $100.00

Vacation, Christmas, Special, Insurance, Kirby Kangaroo® Club, & CU Succeed® Savings 0.16% 0.16% None

IRA Shares & Education Savings 0.66% 0.66% None

Money Market

Balance $2,500-$9,999
0.15% 0.15% $2,500.00

Balance $10,000-$24,999
0.25% 0.25%
$10,000.00

Balance $25,000-$49,999
0.40% 0.40% $25,000.00

Balance $50,000 or more 0.50% 0.50% $50,000.00

Share Rates and APY's listed above are accurate for the dividend period ending 3/31/2012. Money Market Rates and APY's listed are accurate for the dividend period ending 2/29/2012. Dividend rates and APY's for future periods have not been determined. Rates subject to change without notice. Fees may reduce earnings on these accounts. The dividend period for all accounts is quarterly, except for Money Market account which is monthly. Please contact the Credit Union at (502)459-8981 in Louisville or (270)781-4365 in Bowling Green or at 1-800-459-2328 regarding any questions or current rate information. Accounts are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Share Certificate Accounts

Minimum balance required to earn the stated APY.

Account Term Dividend Rate Annual Percentage Yield (APY) Regular Accounts Education Savings Roth or Traditional IRAs

3 Month Certificate 0.39% 0.40% $500.00 N/A N/A

6 Month Certificate 0.49% 0.50% $500.00 N/A N/A

12 Month Certificate 0.74% 0.75% $500.00 $500.00 $1,000.00

18 Month Certificate 1.23% 1.25% $500.00 N/A N/A

24 Month Certificate 1.23% 1.25% $500.00 $500.00 $1,000.00

30 Month Certificate 1.47% 1.50% $500.00 N/A N/A

36 Month Certificate 1.47% 1.50% $500.00 $500.00 $1,000.00

42 Month Certificate 1.71% 1.75% $500.00 N/A N/A

*Special one-time rate increase option available on 18, 30, and 42 month terms.*

One time during the original term of an account issued for 18, 30, or 42 months only, you may request to increase the rate for the remainder of that account’s term to the corresponding rate being offered for newly issued accounts, to become effective as of the date of the request.
**IRA and Coverdell Education Savings accounts are only available for 12, 24, and 36 month terms.**
***The rates listed are accurate as of 8/26/2011 and are subject to change without notice. A penalty will be imposed for early withdrawal. The dividend period for all accounts is quarterly. Please contact the Credit Union at (502)459-8981 in Louisville or (270)781-4365 in Bowling Green or at 1-800-459-2328 regarding any questions or current rate information. Accounts are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.***