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MENLO SURVEY FEDERAL CREDIT UNION - INVESTMENT OPTIONS

Regular Shares Minimum Balance $10.00 Dividend Rate Annual Percentage Yield As a member of the credit union, a regular share account is required and automatically established.  Dividends are computed daily and compounded quarterly. 0.10% 0.10% APY *1 Money Market Shares  Initial Deposit: $5,000 Minimum Balance to earn dividends: $3,000 Dividend Rate Annual Percentage Yield This high yield, special share account offers the flexibility of making deposits and withdrawals.  Dividends are computed daily and compounded quarterly.  Checks and payroll deduction are available.  Deposits of $250 or more are allowed at any time.  Withdrawals of $500 or more are allowed up to 6 times a month. 0.15% 0.15% APY *2 6 Month Certificate Minimum Balance $1,000 Certificate Term: 6-months Dividend Rate Annual Percentage Yield This share certificate has a 6-month term.  Dividends are computed daily and paid monthly.  Dividends can be paid to regular shares or compounded.  The rate is fixed for the term of the certificate.  A withdrawal before maturity can result in a penalty not to exceed 180 days of interest. 0.15% 0.15% APY *3 Share Certificate Minimum Balance: $2,000 Certificate Term: 12, 24 or 36 months Dividend Rate Annual Percentage Yield This share certificate has a 12, 24 or 36 month term.  Dividends are computed daily and paid monthly.  Dividends can be paid to regular shares or compounded.  The 12-month certificate has a fixed rate for the term of the certificate.  The 24 and 36 month certificates come with a one time "bump-up"option.  A withdrawal before maturity can result in a penalty not to exceed 180 days of interest. 12 months: 0.40% 24 months: 0.60% 36 months: 0.85% 12 months: 0.40% APY*2 24 months: 0.60% APY *2 36 months: 0.85% APY *2 IRA Accumulation Shares Initial Deposit: $50 Minimum Balance: $0 Dividend Rate Annual Percentage Yield Most employed persons are eligible to invest in an Individual Retirement Account.  Traditional, ROTH and Coverdell IRAs are available.  Dividends are computed daily and compounded quarterly.  Consult a tax advisor to verify eligibility. 0.35% 0.35% APY *2 IRA Certificate Minimum Balance: $500 Certificate Term: 18-months Dividend Rate Annual Percentage Yield This 18-month certificate comes in a fixed or floating rate.  The floating rate is subject to change quarterly.  Dividends are computed daily and compounded quarterly.  A withdrawal before maturity can result in a penalty not to exceed 180 days of interest.  A penalty will not be assessed on Required Minimum Distributions.  Consult a tax advisor to verify eligibility. 0.50% 0.50% APY *2

  Federal regulations prohibit payment of dividends in excess of available earnings.

  These rates are subject to change.

 *1 APY calculated on $50 deposit for 365-days.
  *2 APY calculated on minimum deposit for 365-days.
  *3 APY calculated on minimum deposit for 180-days.

MENLO SURVEY FEDERAL CREDIT UNION MORTGAGE LOANS

We have lowered our Mortgage Rates
Please contact the Credit Union for current rates and terms at (650) 323-2493 or (877) 323-2493

MENLO SURVEY FEDERAL CREDIT UNION - CLOSED END LOANS

LOAN TYPE LOAN DETAILS Annual Percentage Rate as low as.... Repayment Terms per $1,000 borrowed SHARE PLEDGED Secured by regular shares + 2% APR above regular shares   SIGNATURE LOAN Closed end personal loan up to 60 months - 10.00% APR 60 monthly payments of $21.30 NEW AUTO/TRUCK 100% of purchase price ** (including tax & license) 120-day no payment option up to 36 months - 1.99% APR up to 60 months - 2.99% APR up to 84 months - 3.99% APR up to 96 months - 5.99% APR 36 monthly payments of $28.64 48 monthly payments of $22.14 60 monthly payments of $17.97 72 monthly payments of $15.65 84 monthly payments of $13.67 96 monthly payments of $13.14 NEW HYBRID   USED HYBRID 100% of purchase price ** (including tax & license) 120-day no payment option 100% of high Blue Book value ** 120-day no payment option    up to 60 months - 2.49% APR up to 60 months - 2.99% APR 60 monthly payments of $17.75 60 monthly payments of $17.97 USED AUTO/TRUCK 100% of high Blue Book value ** 120-day no payment option up to 36 months - 2.99% APR up to 60 months - 3.49% APR up to 72 months - 3.99% APR 36 monthly payments of $29.08 48 monthly payments of $22.36 60 monthly payments of $18.19 72 monthly payments of $15.65 MOVE IT BACK TO MENLO For autos 5 years old or less Refinance entire balance ** 120-day no payment option up to 60 months - 3.49% APR  60 monthly payments of $18.19 RECREATIONAL VEHICLES 75% of price or appraisal ** To $40,000 - 7 years Over $40,000 - 10 years New - 8.00% APR Used - 9.00% APR 84 monthly payments of $15.60 120 monthly payments of $12.14 84 monthly payments of $16.10 120 monthly payments of $12.68 MOBILE HOMES 75% of price or appraisal ** Up to 15 years New - 8.00% APR Used - 9.00% APR 180 monthly payments of $9.57 180 monthly payments of $10.15 VESSELS 75% of price or appraisal ** To $20,000 - 5 years Over $20,000 - 10 years New and Used - 9.00% APR 60 monthly payments of $20.77 120 monthly payments of $12.68 REAL ESTATE 1st and 2nd Mortgages Up to 80% of appraisal Less balance of 1st mortgage  (if any other liens) ** Variable Rate Line of Credit and Fixed Rate Available See Real Estate Brochure for more Details

    ** These loans have insurance requirements. Alternative Fuel Vehicles less .50% for "New" Vehicles. 

    The credit union will not extend credit to any member who has filed bankruptcy within the past 7 years,      
    or is in the process of completing a Chapter XIII bankruptcy.

MENLO SURVEY FEDERAL CREDIT UNION - OPEN END LOANS

Applicants require 3 months of continuous employment for loans up to $10,000
Applicants require 5 months of continuous employment for loans up to $20,000
Limited to $20,000 per household

AMOUNT MINIMUM PAYMENT MAXIMUM TERM $100 - 1,000 $50.00 22 months 1,001 - 3,000 100.00 35 months 3,001 - 5,000 125.00 49 months 5,001 - 7,500 167.00 59 months 7,501 - 10,000 213.00 60 months 10,001 - 12,000 256.00 60 months 12,001 - 14,000  299.00 60 months 14,001 - 16,000 341.00 60 months 16,001 - 18,000 384.00 60 months 18,001 - 20,000 428.00 60 months              Payments may be  made by automatic transfer  from your savings or  checking account  here at the credit union.  We  also offer an electronic  debt from your  checking account located  at another financial  institution.                  Funds in your Gold  Line of Credit may be used for  the following purposes:    * Debt Consolidation      * College Expenses      * Vacation      * Emergency Travel      * Overdraft Protection

Minimum payments on the Gold account are figured on original loan amounts and will not
change unless there is a loan advance.  Minimum loan advance is $100.  Any advance will
result in a change of terms.

The Credit Union will not extend credit to any member who has filed bankruptcy
within the past 7 years, or is in the process of completing a Chapter 13.