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 July 15, 2010 Rates subject to change without notice Savings Accounts .25% APR .25% APY Club Accounts .25% APR  .25% APY $100.00 Minimum Average Daily Balance Required to Earn Interest. Interest Bearing Checking  .25% APR  .25% 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 .75 APR  .75% APY 1 Year Certificate of Deposit 1.00% APR 1.01% APR 2 Year Certificate of Deposit 1.75% APR 1.76% APY 3 Year Certificate of Deposit 2.25% APR 2.27% APY 4 Year Certificate of Deposit 2.25% APR 2.27% 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 1.00% APR  1.01%APY 2 Year IRA Certificate of Deposit 1.75% APR  1.76% APY 3 Year IRA Certificate of Deposit 2.25% APR 2.27% APY 4 Year IRA Certificate of Deposit 2.25% APR 2.27% APY   APR - Annual Percentage Rate APY - Annual Percentage Yield   ***ALL CERTIFICATE AND IRA CERTIFICATE RATES SUBJECT TO CHANGE DAILY*** Hit a Home Run! Be automatically entered to win a Family 4 - Pack to see the Houston Astros this season with a funded New Personal or New Auto Loan! 7/15/10 - 8/31/10 "Special Terms and Conditional May Apply, Auto Loans are no less than 3.99% APR APR - Annual Percentage Rate; Loans are subject to credit approval; Rates are based on credit score. Existing HATCU Loans are not eligible One (1) entry per closed loan; Travel, Hotel & Meals are not included." Stomp A Quarter Off! Not just a promotion anymore! Receive a Quarter (.25) Percent off the Current Rate when you apply online at hatcu.coop Receive an additional Quarter (.25) Percent off the Current Rate when you set up Auto Pay. Speak with our Loan Department for more details. 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 4.49% - 17.99% New Auto $20,000 and Up 10% 72 Months 4.49% - 17.99% Loan Type NADA Value Term Rate Used Auto Trade-In Up To 60 Months 4.49% - 17.99% Used Auto $20,000 and Up Trade-In 72 Months 4.49% - 17.99% Loan Type Percent Down Term Rate Vehicle Refinance (Up to 4 years old) Based on NADA Remaining Term 4.49% - 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 Personal Loan N/A   7.99% - 17.99% APR APR-Annual Percentage Rate    ASK HOW YOU CAN RECEIVE .25% OFF ANY REGULAR LOAN RATE (DOES NOT INCLUDE PROMOTIONAL RATES)