Blue Water Federal Credit Union


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APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates

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Rates as of 10/24/2008.
Rate Description	Term	Payment Description	APR	APR Type
2009 - 2008 Vehicles/Mtr Cycles	66 Months	$17.36 per 1000 borrowed	5.00%	Fixed
2007 - 2006 Vehicles/Mtr Cycles	60 Months	$18.99 per 1000 borrowed	5.25%	Fixed
2005 Vehicles/Mtr Cycles	54 Months	$21.06 per 1000 borrowed	5.75%	Fixed
2004 Vehicles/Mtr Cycles	48 Months	$23.49 per 1000 borrowed	6.00%	Fixed
2003 Vehciles/Mtr Cycles	42 Months	$26.57 per 1000 borrowed	6.25%	Fixed
2002 - 2000 Vehicles/Mtr Cycles	36 Months	$30.88 per 1000 borrowed	7.00%	Fixed
1999 Vehicles/Mtr Cycles	24 Months	$44.90 per 1000 borrowed	7.25%	Fixed
Home Equity or Refinance up to $50,000.00	5 Year Balloon @ 180 months	$8.04 per 1000 borrowed	5.25%	Fixed
Home Equity or Refinance up to $50,000.00	5 Year Fixed	$18.99 per 1000 borrowed	5.25%	Fixed
Home Equity or Refinance up to $50,000.00	7 Year Balloon @ 180 months	$8.17 per 1000 borrowed	5.50%	Fixed
Home Equity or Refinance up to $50,000.00	7 Year Fixed	$14.37 per 1000 borrowed	5.50%	Fixed
Home Equity or Refinance up to $50,000.00	10 Year Fixed	$10.98 per 1000 borrowed	5.75%	Fixed
Home Equity or Refinance up to $50,000.00	15 Year Fixed	$8.44 per 1000 borrowed	6.00%	Fixed
Home Equity or Refinance over $50,000.00	5 Year Balloon @ 360 Months	$5.52 per 1000 borrowed	5.25%	Fixed
Home Equity or Refinance over $50,000.00	7 Year Balloon @ 360 Months	$5.68 per 1000 borrowed	5.50%	Fixed
Home Equity or Refinance over $50,000.00	10 Year Balloon @ 360 months	$5.84 per 1000 borrowed	5.75%	Fixed
Home Equity or Refinance over $50,000.00	15 Year Balloon @ 360 months	$6.00 per 1000 borrowed	6.00%	Fixed
Home Equity Variable Line of Credit 1.50% Above Prime Rate	1.47% Of Beginning Balance	$14.70 per 1000 borrowed	6.50%	Variable
VISA - Platinum	4% of Outstanding Balance	$40.00 per 1000 borrowed	12.96%	Fixed
Boats and Other Water Crafts	Maximum of 120 Months	$11.61 per 1000 borrowed	7.00%	Fixed
Recreational Vehicles	Maximum of 120 Months	$11.61 per 1000 borrowed	7.00%	Fixed
Signature Loans Depends on Amount Borrowed Rate Quoted Is The Average Rate	Up to $10,000 for 5 Years	$22.63 per 1000 borrowed	12.75%	Fixed
Mobile Home New	10% D/P @ 180 Months	$9.56 per 1000 borrowed	8.00%	Fixed
Mobile Home Used 1-5 Yrs	15% D/P @ 120 Months	$12.27 per 1000 borrowed	8.25%	Fixed
Mobile Home Used 6-10 Yrs	20% D/P @ 60 Months	$20.88 per 1000 borrowed	9.25%	Fixed

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Certificates

Rates as of 10/24/2008.
Rate Description	Term	Dividend Rates	APY
Six Month Certificate	Non Compounding - Paid Mthly	2.50%	2.50%
One Year Certificate	Non Compounding - Paid Mthly	3.25%	3.25%
Three Year Certificate	Non Compounding - Paid Mthly	3.50%	3.50%

NOTE: Early withdrawal from certificates will be subject to a dividend penalty.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any feeson these accounts that could reduce your earnings.

Savings/Shares Rates

Rates as of 10/24/2008.
Rate Description	Term	Dividend Rates	APY
Money Management	Dividend Paid Monthly	1.35%	1.36%
Reg Shares-less than $200.00	Dividend Declared 09/18/08 Paid 10/01/08	0.50%	0.50%
Reg Shares-$200.00 & Over	Dividend Declared 09/18/08 Paid 10/01/08	0.75%	0.75%
Special Acct-less than $200.00	Dividend Declared 09/18/08 Paid 10/01/08	0.50%	0.50%
Special Acct-$200.00 & Over	Dividend Declared 09/18/08 Paid 10/01/08	0.75%	0.75%
Holiday Savings - All Amts	Dividend Declared 09/18/08 Paid 10/01/08	0.75%	0.75%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

IRAs

Rates as of 10/24/2008.
Rate Description	Term	Dividend Rates	APY
Regular Deposit Account	Dividend Declared 09/18/08 Paid 10/01/08	1.00%	1.01%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Share Draft

Rates as of 10/24/2008.
Rate Description	Term	Dividend Rates	APY
No Minimum Balance Required	No Transaction Fees Only Special Fees Apply	0.00%	0.00%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Location:

526 Water Street, Ste 113

Port Huron, MI 48060

Office: 810-985-6993

Fax: 810-985-4039

Hours of Operation:

Mon:	9:00 - 4:30
Tues:	9:00 - 4:30
Wed:	9:00 - 4:30
Thurs:	9:00 - 4:30
Fri:	8:00 - 4:30