Rates are effective May 28, 2008

 Mortgage Loan 

Contact Loan Department	Call the Credit Union for rates.

Home Equity Loan

Home Equity LOC  Fixed Rate		Call the Credit Union for rates.
Home Equity LOC  Variable Rate		Call the Credit Union for rates.

***APR=Annual Percentage Rate.  Rates are subject to change without notice.  Other rates and terms available.
Contact the Credit Union for complete loan details.  Contact your tax advisor for tax-deduction eligibility.

Recreational Vehicle Loan Rates

Description	Term	APR*
New (untitled)	Up to 84 Months	As low as 10.49%
Used	Up to 60 Months	As low as 10.49%
New Campers/4 wheelers/Motorcycles	Up to 60 Months	As low as 10.49%
Used Campers/4 wheelers/Motorcycles	Up to 48 Months	As low as 10.49%

Vehicle Loan Rates

Description	Term	APR*
New Auto	Up to 60 Months	As low as 4.74%
Used Auto 2007 to 2001	Up to 60 Months	As low as 4.74%
Used Auto 2000 to 1998	Up to 48 Months	As low as 7.49%

**APR + Annual percentage rate. The posted rate includes a 1/25 (0.25%) discount for automatic deduction of the payment from a Clarion Onized Federal Credit Union deposit account. Applies only  to vehicles 2007-2000. Rates shown are for qualified borrowers and are subject to change without notice. Other rates and terms available.

Other Loan Rates

Dividend Rates

Description	Rate	APY*
Regular Share ($5.00 minimum deposit required)	.75%	.75%
Christmas Shares (No minimum deposit required)	.75%	.75%
Vacation/Bond (No minimum deposit required)	N/A	N/A
IRA (all types) ($250.00 minimum deposit required)	1.24%	1.25%

Certificate Rates 

Rate Type	Rate	APY*
3 Month **	1.74%	1.75%
6 Month **	1.98%	2.00%
9 Month **	2.96%	3.00%
12 Month **            IRA Certificates also available*	2.47%	2.50%
18 Month **            IRA Certificates also available*	2.52%	2.55%
24 Months**           IRA Certificates also available*	3.45%	3.50%
36 Months**           IRA Certificates also available*	2.72%	2.75%
48 Months**           IRA Certificates also available*	2.96%	3.00%
60 Month **            IRA Certificates also available*	3.74%	3.80%

APY=The term A.P.Y. refers to ANNUAL PERCENTAGE YIELD.

Rates are subject to change without notice.

*IRA Certificates of Deposits require a minimum opening deposit of $250.00 
** Share Certificates require a minimum opening deposit of $500.00. A penalty may be imposed for early withdrawl.

Accounts requiring a minimum balance or purchase minimum amount
must maintain the stated dollar amounts to earn the advertised APY.

Fees  could reduce earnings on certain accounts.

APR*=Annual Percentage Rate

The ANNUAL PERCENTAGE RATE you receive for the above subaccounts will be within the range disclosed above and is based on certain credit-worthiness criteria.  Ask the Credit Union for your qualifying rate.

Collection Costs:  You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney fees.  Filing Fees:  If you give a security interest in certain types of property, we may charge you a filing fee to perfect our interest in the property.  If so, the amount of the fee will be disclosed to you at the time you obtain an advance.  Minimum Payment:  Your minimum payment will never be less than $35.00 (monthly).

Description	Term	APR*
Share secured		5.00%
Signature	Up to 60 Months	As Low as 11.00%
New Mobile Homes	Up to 144 Months	As Low as 10.49%
Used Mobile Homes	Up to 120 Months	As Low as 10.49%
Classic Mastercard		10.99%
Gold Mastercard		8.99%