HARLINGEN AREA TEACHERS' CREDIT UNION 4321 W. Expressway 83, Harlingen, 2910 E. Grimes, Harlingen or 345 N. Williams Rd. San Benito PH. (956) 423-5792 (BOTH LOCATIONS) HARLINGEN FAX (956) 423-3105 SAN BENITO FAX (956) 361-1652  Effective September 1, 2008 Savings Accounts .75% APR .75% APY Club Accounts .75% APR  .75% APY $100.00 Minimum Average Daily Balance Required to Earn Interest. Interest Bearing Checking  .50% APR  .50% APY $100.00 Minimum Average Daily Balance Required To Earn Interest. An early withdrawal penalty will apply if terms of certificate are changed before the maturity date. Please call for details. 180 Day Certificate of Deposit  2.25% APR  2.27% APY 1 Year Certificate of Deposit 2.50% APR  2.53% APY 2 Year Certificate of Deposit 2.75% APR 2.79% APY 3 Year Certificate of Deposit 3.00% APR 3.04% APY 4 Year Certificate of Deposit 3.00% APR 3.04% APY $100.00 Minimum Average Daily Balance Required to Earn Interest . An early withdrawal penalty may apply for withdrawals before age 59-1/2. Please call for details. 1 Year IRA Certificate of Deposit 2.50% APR  2.53% APY 2 Year IRA Certificate of Deposit 2.75% APR  2.79% APY 3 Year IRA Certificate of Deposit 3.00% APR 3.04% APY 4 Year IRA Certificate of Deposit 3.00% APR 3.04% APY   APR - Annual Percentage Rate APY - Annual Percentage Yield   ***ALL CERTIFICATE AND IRA CERTIFICATE RATES SUBJECT TO CHANGE DAILY*** Drive in Style! Receive 1.00% Off Current Interest Rate on Vehicle Loans Rates as LOW as 3.99% APR* Promotion Extended until 10/31/08 Backpack your way to a new adventure  With a Signature Loan  You will be automatically entered to win a Laptop - 1 entry per closed loan. Rates as LOW as 7.49% APR* 7/1/08 thru 9/30/08 Stomp off a Quarter! Receive .25% off Current Interest Rate when you Apply ONLINE! APR - Annual Percentage Rate Rates Subject to Change Daily - Please call Credit Union (956) 423-5792 for current rates. *Special Terms and Conditions May Apply. Promotions Subject to Stop at Any Time.   LOAN RATES Loan Type Percent Down Term Rate New Auto 0% Up To 60 Months 4.99% - 17.99% New Auto $20,000 and Up 10% 72 Months 4.99% - 17.99% Loan Type NADA Value Term Rate Used Auto Trade-In Up To 60 Months 4.99% - 17.99% Used Auto $20,000 and Up Trade-In 72 Months 4.99% - 17.99% Loan Type Percent Down Term Rate Vehicle Refinance (Up to 4 years old) Based on NADA Remaining Term 4.99% - 17.99% APR New Boat 10%   6.49% - 17.99% APR Used Boat 10% OF APPRAISAL   6.49% - 17.99 APR Rec. Veh. 10%   6.49% - 17.99% APR Mastercard N/A 30 Day Grace/No Annual Fee 5.90% - 18.00% APR Mastercard Gold N/A 30 Day Grace/No Annual Fee 5.90% - 18.00% APR CD Secured   Not to Exceed CD Term;  May Borrow up to 90% of Certicate Amount 3.00% over CD RATE Shared Secured                                    N/A                                           May Borrow up to $900 5.50% APR Signature N/A   7.99% - 17.99% APR-Annual Percentage Rate    ASK HOW YOU CAN RECEIVE .25% OFF ANY REGULAR LOAN RATE (DOES NOT INCLUDE PROMOTIONAL RATES)