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Loan Rates effective as of January 1, 2012

Rates and Terms are subject to change without notice. All GaPac CFCU loans are subject to loan approval. * APR = Annual Percentage Rate. The Annual Percentage Rate you receive will be in the range disclosed and based on your credit history. We may finance your purchase including tax, license, dealer options, warranty and insurance products according to your credit qualifications. Please contact us for current mortgage loan rates and general information. GaPac CFCU is an Equal Opportunity Lender. See additional DISCLOSURE below.

LOAN TYPE	Term	*APR Rate RANGE
Unsecured Loans - Loan Calculator
GaPac CFCU Visa Classic Credit Card - Up to $10,000 limit	N/A	12.50%
GaPac CFCU Visa Platinum Credit Card - Up to $10,000 limit	N/A	9.50%
Signature Loans - Up to $10,000 limit Line of Credit and/or "CAP" (Checking Account Protection)	24-48 months	11.00% -18.00%

Vehicles and Motorcycles - Loan Calculator
New or Used - 2011 and newer, $25,000 Minimum Loan	84 months	3.50% - 15.50%
New or Used - 2011 and newer, $15,000 Minimum Loan	72 months	3.50% - 15.50%
New or Used - 2011 and newer, $12,000 Minimum Loan	60 months	3.50% - 15.50%
Used - 2006-2010, $25,000 Minimum Loan	84 months	3.75% - 15.50%
Used - 2006-2010, $15,000 Minimum Loan	72 months	3.75% - 15.50%
Used - 2006-2010, $12,000 Minimum Loan	60 months	3.75% - 15.50%
Older/Used - 2005 and older	48 months	7.15% - 16.50%

Boats/ RVs/ Jet Skis - Loan Calculator
New & Used - $20,000 + loan	144 months	7.50% - 16.00%
New & Used - less than $20,000 loan	96 months	7.50% - 16.00%

Farm Equipment - Loan Calculator
New & Used	60 months	9.00% -15.50%

Share Secured Loan - Loan Calculator
Loan Secured to Saving Account or Certificate Account	Up to 120 months	3% Over the Dividend Rate

LOAN DISCLOSURE: Vehicle value is determined by using the NADA Official New & Used Car Guide. On any loan request, the amount of the loan must be adequately secured as required by law, and with the established types and limits of acceptable collateral. All loan collateral must be fully insured, including fire and theft insurance. Vehicles must carry collision and comprehensive insurance ($500 maximum deductible), and list GaPac CFCU in the loss payable clause.

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Share Savings Rates effective as of September 1, 2011

Share Savings Rates are subject to change upon our Board of Directors' approval, and with a 30 day notice provided to our membership. *APR=Annual Percentage Rate. **APY= Annual Percentage Yield. See additional Disclosure below.

SHARE SAVINGS - Savings Calculator	*APR	**APY	Term	Minimum Balance
Share Savings ($ 5.00 minimum to open account)	0.25%	0.25%	N/A	$50
Packer Share Savings ($5.00 minimum to open account)	0.25%	0.25%	N/A	$5
Holiday Savings	0.25%	0.25%	N/A	N/A
Maxi-Fund ($2,500.00-$24,999.99)	0.30%	0.30%	N/A	$2,500
Maxi-Fund ($25,000.00-$49,999.99)	0.40%	0.40%	N/A	$25,000
Maxi-Fund ($50,000.00+)	0.50%	0.50%	N/A	$50,000
Sub Savings (secondary savings accounts)	0.25%	0.25%	N/A	$50
Packer Sub Savings (secondary savings accounts)	0.25%	0.25%	N/A	$5
IRA Share Savings-Traditional Roth	0.25%	0.25%	N/A	$25
Coverdell Education Savings Accounts	0.25%	0.25%	N/A	$25

SHARE SAVINGS DISCLOSURE: A $5 main share savings account is required for GaPac CFCU membership. The Annual Percentage Yield (APY), is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The dividend rate and APY are the prospective rate and yield that the credit union anticipates paying for the applicable dividend period. Dividends are paid monthly. For all accounts, the dividend rate and APY are fixed and will be in effect indefinitely. The credit union will send notice to members 30 days in advance of a Share Savings Dividend change.
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Share certificate rates effective as of December 21, 2011

Certificate rates are reviewed weekly and are subject to change without notice. Dividends are paid monthly.

EARLY WITHDRAWAL PENALTY: Loss of 90 days dividends for 6-12 month certificates; Loss of 180 day dividend for 18-36 month certificates. See additional DISCLOSURE below.

Certificates - Savings Calculator	*APR	**APY*	Term	Minimum Balance
3 month	0.20%	0.20%	3	$500
6 month	0.30%	0.30%	6	$2,000
12 month	0.30%	0.30%	12	$500
12 month	0.40%	0.40%	12	$2,000
18 month	0.50%	0.50%	18	$2,000
24 month	0.60%	0.60%	24	$2,000
36 month	0.80%	0.80%	36	$2,000
IRA 3 month	0.20%	0.20%	3	$500
IRA 6 month	0.30%	0.30%	6	$2,000
IRA 12 month	0.30%	0.30%	12	$500
IRA 12 month	0.40%	0.40%	12	$2,000
IRA 18 month	0.50%	0.50%	18	$2,000
IRA 24 month	0.60%	0.60%	24	$2,000
IRA 36 month	0.80%	0.80%	36	$2,000

CERTIFICATE DISCLOSURE: The Annual Percentage Yield (APY), is a percentage rate that reflects the total amount of dividend rate and frequency of compounding for an annual period. For all accounts, the dividend rate and APY are fixed and will be in effect for the term of the account. The APY is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. A early withdrawal penalty will be imposed if you withdraw any of the principal before the maturity date. Maturing certificates will automatically renew for the same term, and at the new rate unless we have been notified prior to maturity.
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