Rates - LGFCU

2.50

Roth IRA

.75

1.00

Money Market

1.50

Share Term

3.75

2-yr ARM

4.75

First HB

4.75

5-yr ARM

5.50

20-yr Mtg

4.75

New Car

4.25

Green Car

7.75

Motorcycle Loans

5.75

Home Equity

Deposit Rates

Share Accounts Rates effective 08/25/2009

Account Type	Rate	APY*	Min. Balance
Fat Cat	.75	.75	$25
Share	.75	.75	$25
Zard	.75	.75	$25
Golden Circle	.75	.75	$25
Holiday Cash Club	.75	.75	$25

*APY: Annual Percentage Yield

Checking and Money Market Share Rates effective 08/25/2009

Account Type	Rate	APY*	Min. Balance
Interest Checking	0.50	0.50	None
Money Market	1.00	1.01	$250

*APY: Annual Percentage Yield

Share Term Certificates Rates effective 02/04/2010

Account Type	Term	Rate	APY*	Min. Balance
Share Term Certificate	6 months	1.50	1.50	$250
Share Term Certificate	12 months	1.50	1.50	$250
Share Term Certificate	18 months	1.75	1.75	$250
Share Term Certificate	24 months	2.00	2.00	$250
Share Term Certificate	30 months	2.50	2.50	$250
Share Term Certificate	36 months	2.75	2.75	$250
Share Term Certificate	48 months	3.00	3.00	$250
Share Term Certificate	60 months	3.25	3.25	$250

Dividend Rates Information
Dividend rates on shares and IRAs have been set subject to the availability of funds. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Depending on options chosen, most accounts have modest service charges that could reduce net earnings. There is a penalty for early withdrawal from certificates. The dividends on all accounts except certificates are variable and may change at preset intervals after the account is opened. All depository services compound dividends daily, except Share Term Certificates. Initial/opening rates are subject to change without notice. Please call our 24-Hour Voice Response Service at 800.328.4543, or in Raleigh 919.839.5428, or your local branch for current rates.

*APY: Annual Percentage Yield

Individual Retirement Accounts Rates effective 03/05/2009

Account Type	Rate	APY*
Traditional IRA	2.50	2.53
Roth IRA	2.50	2.53
SEP IRA	2.50	2.53
Coverdell Education Savings Account	2.50	2.53

*APY: Annual Percentage Yield

Health Savings Account Rates effective 02/04/2010

Account Type	Rate	APR*
Health Savings Account	2.25	2.28

*APR: Annual Percentage Rate

Mortgage Rates

Mortgage Loans Rates effective 03/20/2009

Account Type	Term	Rate	APR*
2-year ARM - 90% LTV - Variable Rate	30 Years	3.75	4.67
2-year ARM - 90.1%-100% LTV - Variable Rate	30 Years	4.75	4.83
1st Time Homebuyers - 100% LTV - Variable Rate	30 Years	4.75	4.77
5-year ARM - 90% LTV - Variable Rate	30 Years	4.75	4.83
5-year ARM - 100% LTV - Variable Rate	30 years	5.75	5.19
2-year Green ARM - 90% LTV - Variable Rate	30 Years	3.75	4.62
2-year Green ARM - 90.1%-100% LTV - Variable Rate	30 Years	4.75	4.79
AllSavers - 100% LTV - Fixed Rate	15 years	6.25	6.45
15-year 90% or Less - Fixed Rate	15 Years	5.25	5.44
15-year 90.1% - 100% - Fixed Rate	15 Years	6.25	6.45
20-year 90% or Less - Fixed Rate	20 Years	5.50	5.65
20-year 90.1% - 100% - Fixed Rate	20 Years	6.50	6.66
Reverse Mortgage**

*APR: Annual Percentage Rate

**Contact the Call Center at 888.732.8562 or your local branch for a Reverse Mortgage quote.

Second Mortgage Rates effective 09/01/2009

Account Type	Term	Payroll APR*	Direct Pay APR*	Comments
Second Mortgage Fixed Rate	10 Years	8.75	9.25	Improved Property
Second Mortgage Variable Rate	10 Years	9.75	10.25	Improved Property
Green Second Mortgage - LGFCU first mortgage	10 Years	6.25	6.75	Improved Property
Green Second Mortgage - First mortgage other lender	10 Years	7.00	7.50	Improved Property

*APR: Annual Percentage Rate

Land Loans Rates effective 02/14/2006

Account Type	Term	Payroll APR*	Direct Pay APR*	Comments
Unimproved Property	10 Years	7.75	8.25	Fixed Rate

Rates are subject to change without notice. Please check with a local branch or call our 24-Hour Voice Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates.

*APR: Annual Percentage Rate

Loan Rates

Home Equity Line of Credit (HELOC) Rates effective 04/01/2009

Account Type	Payroll APR*	Direct Pay APR*
Home Equity Line of Credit - LGFCU first mortgage*	5.75	6.25
Home Equity Line of Credit - First mortgage other lender	6.50	7.00

*First mortgage with LGFCU or no first mortgage.

Payroll deducted payments provide substantial savings in processing costs for the Credit Union. Credit cards and mortgages cannot be paid with payroll deduction. Initial/opening rates are subject to change without notice. Please check with a branch or call our 24-Hour Voice Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates.

*APR: Annual Percentage Rate

Vehicle Loans - Fixed Rate Rates effective 02/04/2010

Account Type	Term	Payroll APR*	Direct Pay APR*
New Vehicle	Up to 60 Months	4.75	5.25
New Vehicle	Up to 72 Months	5.00	5.50
Used Vehicle	Up to 60 months for models up to five years old	4.75	5.25
Used Vehicle	Up to 48 months for models six years old or greater	4.75	5.25
Green Car	Up to 60 months (new or used)	4.25	4.75
Green Car	Up to 72 months (new car only)	4.50	5.00

Rates are subject to change without notice. Please check with a branch office or call our 24-Hour Voice-Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates. All current and prior year models must have less than 10,000 miles.

*APR: Annual Percentage Rate

Motorcycle, Boat and RV Loans Rates effective 02/04/2010

Loan rates are based on credit history, profile and loan terms. Annual Percentage Rate (APR) may change without notice.

Account Type	Term	Payroll APR*	Direct Pay APR*
New & Used Boat	Up to 72 months	7.75	8.25
New & Used Motorcycle	Up to 72 months	7.75	8.25
New & Used RV Loans	Varies by type	7.75	8.25

Rates are subject to change without notice. Please check with a branch or call our 24-Hour Voice Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates.

*APR: Annual Percentage Rate

Salary Advance Loan (Payday Loan) Rates effective 11/15/2005

Account Type	Term	Amount	Payroll APR*
Salary Advance Loan	Open-end	$500 maximum	12.00

*APR: Annual Percentage Rate

Credit Cards Rates effective 10/19/2007

Account Type	Direct Pay APR*	Comments
Visa	9.75	Variable Rate

Rates are subject to change without notice. Please check with a branch or call our 24-Hour Voice Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates.

*APR: Annual Percentage Rate

Personal Loans Rates effective 07/22/2005

Account Type	Payroll APR*	Direct Pay APR*	Comments
Personal Loan - Open and Closed End	10.75	11.25	Variable Rate
Personal Loan - Unsecured and Secured	10.75	11.25	Variable Rate

Rates are subject to change without notice. Please check with a branch or call our 24-Hour Voice Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates.

*APR: Annual Percentage Rate

Computer Loans Rates effective 07/22/2005

Account Type	Term	Amount	Payroll APR*	Direct Pay APR*
Computer Loan	36 months	$3,500 maximum	6.50	7.00

Rates are subject to change without notice. Please check with a branch or call our 24-Hour Voice Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates.

*APR: Annual Percentage Rate

Secured Loans Rates effective 07/22/2005

Account Type	Term	Payroll APR*	Direct Pay APR*	Comments
Share Secured	Up to 24 months	5.00	5.00	Fixed Rate
Share Secured	25 to 48 months	5.50	5.50	Fixed Rate
Share Secured	49 to 120 months	8.75	9.25	Variable Rate
Share Secured Term Note			6.50	Fixed Rate
Vehicle/DOT Term Note			10.75	Fixed Rate

*APR: Annual Percentage Rate

Unsecured Loans Rates effective 07/22/2005

Account Type	Payroll APR*	Direct Pay APR*
Unsecured DOT	10.00	10.50
Unsecured Term Note		11.75

*APR: Annual Percentage Rate