SAVINGS RATES: Effective Date 09/24/08
INVESTMENT ACCOUNTS (includes IRA CDs)
Services Offered			$1,000.00 and Up		Jumbo ($50K plus)
	Term	Minimum Deposit	Rate	APY¹	Rate	APY¹
Certificate of Deposit	6 Months	$1,000.00	2.75%	2.78%	3.00%	3.04%
	1 Year	$1,000.00	2.85%	2.89%	3.10%	3.14%
	18 Months	$1,000.00	3.10%	3.14%	3.35%	3.40%
	2 Years	$1,000.00	3.30%	3.35%	3.55%	3.61%
	3 Years	$1,000.00	3.40%	3.45%	3.65%	3.71%
	4 Years	$1,000.00	3.65%	3.72%	3.90%	3.97%
	5 Years	$1,000.00	3.95%	4.02%	4.20%	4.28%
Payroll Growth CD	1 Year	$100.00	2.65%	2.68%	—	—
Services Offered	$0 to $4,999.99		$5K to $19,999.99		$20,000.00 plus
	Rate	APY¹	Rate	APY¹	Rate	APY¹
IRA	1.00%	1.01%	1.75%	1.76%	2.25%	2.28%
SAVINGS ACCOUNTS
Services Offered	$0 to $4,999.99		$5K to $19,999.99		$20,000.00 plus
	Rate	APY¹	Rate	APY¹	Rate	APY¹
Regular Savings	0.20%	0.20%	0.30%	0.30%	0.45%	0.45%
Secondary Savings	0.20%	0.20%	0.30%	0.30%	0.45%	0.45%
Lil' Roper Club	0.20%	0.20%	0.30%	0.30%	0.45%	0.45%
Vacation Club	0.20%	0.20%	0.20%	0.20%	0.20%	0.20%
Christmas Club	0.20%	0.20%	0.20%	0.20%	0.20%	0.20%
CHECKING ACCOUNTS
Services Offered	$500 to $4,999.99		$5K to $19,999.99		$20,000.00 plus
	Rate	APY¹	Rate	APY¹	Rate	APY¹
Non-Dividend/Interest	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Lone Star Select	0.20%	0.20%	0.20%	0.20%	0.20%	0.20%
Lone Star Diamond	0.20%	0.20%	0.20%	0.20%	0.20%	0.20%
Services Offered	$2,500.00 to $4,999.99		$5K to $19,999.99		$20,000.00 plus
	Rate	APY¹	Rate	APY¹	Rate	APY¹
High-Yield Checking	.75%	.76%	1.25%	1.26%	1.75%	1.76%
¹ APY means "Annual Percentage Yield".  APY assumes dividends remain in the account until maturity.  Withdrawals reduce earnings.  All accounts must remain open through the end of the dividend period or the maturity date to be paid the accrued dividends.  The above rates were paid for their respective dividend period.  Dividends are paid at the end of the period from the current income and the available earnings after any required transfers to reserves.  These rates are not guaranteed for the current dividend period.  All deposits are federally insured by NCUA.  Rates and APY are subject to change without notice.

LOAN RATES:  Effective Date 08/01/08 (Apply Online)
Vehicle Loans                                    Loan Calculator
Loan Type	*Fixed APR	Maximum Term
New and Used	4.29 - 13.29%	Up to 48 Months
	4.59 - 13.59%	Up to 60 Months
	5.49 - 14.49%	Up to 72 Months
	6.99 - 15.99%	Up to 84 Months
Mortgages***
Mortgage Daily Rates & Online Application
Home Equity **
Loan Type	*Fixed APR	Maximum Term
	5.29 - 14.29%	Up to 48 Months
	5.49 - 14.49%	Up to 60 Months
	5.69 - 14.69%	Up to 72 Months
	5.89 - 14.89%	Up to 84 Months
	6.25 - 15.25%	Up to 120 Months
	6.50 - 15.50%	Up to 144 Months
	6.75 - 15.75%	Up to 180 Months
Share/CD Secured Loans
Loan Type	*Fixed APR	Maximum Term
Share Secured	3.00% over Share Rate-Up to 60 Months
CD Secured	3.00% over CD Rate-Up to 60 Months
Credit Cards
Loan Type	*Fixed APR	Maximum Term
Regular VISA & MasterCard	13.90%	_
VISA Gold & MasterCard Gold	12.90%	_
Platinum MasterCard	7.50%	_
Motorcycle/Boat & Trailer/Jet Ski
Loan Type	*Fixed APR	Maximum Term
New and Used	5.49 - 14.49%	Up to 48 Months
	5.79 - 14.79%	Up to 60 Months
	5.99 - 14.99%	Up to 72 Months
Unsecured Loans
Loan Type	*Fixed APR	Maximum Term
Signature	7.25 - 16.25%	Up to 12 Months
	7.75 - 16.75%	Up to 24 Months
	8.75 - 17.75%	Up to 36 Months
	9.00 - 18.00%	Up to 48 Months
Ready Credit (Line of Credit)	8.75 - 17.75%
RV/Motor Home/Travel Trailer
Loan Type	*Fixed APR	Maximum Term
New and Used	6.50-15.50%	Up to 60 Months
	7.00-16.00%	Up to 84 Months
	7.50-16.50%	Up to 120 Months
Note: Loans secured by farm & ranch equipment, 4H and FFA livestock, Lawn and Garden equipment, technology equipment, furniture or appliances will be evaluated using signature loan rates and terms.  *APR means ANNUAL PERCENTAGE RATE.  Rates and terms are subject to change without notice.  Lone Star Rewards Discounts included.  Risk-Based Pricing Notice: The Annual Percentage Rates (APR) are quoted "low as" and "high as" depending upon the applicant's individual credit history.  Rates quoted are based on approved credit. Your APR may be higher based on your credit information obtained from consumer credit reporting agencies InvesTex Credit Union uses.  Individual applicants' credit information could affect the terms of their loan. **Loan amount cannot exceed 80% of the collateral value, less outstanding liens. ***Mortgage rates are subject to change daily. Generally (except for Title Policy and Appraisal costs), closing costs will be paid by the Credit Union; however, in some instances, certain other costs will be paid by the member. The above rates are subject to change. For current rates, please call InvesTex Credit Union at 281-449-0109.