Rates

DIVIDEND RATES
(First Quarter, 2010)

LOAN RATES
(as of April 1st, 2010)

First Mortgages*

Term:
Beacon Score Above 680 APR**

Beacon Score 640-679 APR**

Beacon Score 600 -639 APR**

Origination Fee

15-Year Fixed $25,000 - $50,000

5.75%

6.00%
6.25%
1.00%

15-Year Fixed $50,001 - $250,000

4.75%

5.00%
5.25%
1.00%

15-Year fixed $250,000 - to 10% of unimpaired capitol plus surplus

6.25%

6.50%
6.75%
1.00%

30-Year Fixed $25,000 - $50,000

6.00%

6.25%
6.50%
1.00%

30-Year Fixed $50,001 - $250,000

5.00%

5.25%
5.50%
1.00%

30-Year Fixed$250,000 - to 10% of unimpaired capital plus surplus
6.50%

6.75%
7.00%
1.00%

5-Year Renewable

5.00%

5.25%
5.50%
1.00%

Modification Agreement
2.00%

*Real estate rates and terms effective 04/01/10 until changed
**APR = Annual Percentage Rates

Second Mortgages*

Term:
Beacon Score Above 680 APR**

Beacon Score 640-679 APR**
Beacon Score 600-630 APR**
Origination

10-Year Fixed Rate

6.75%

7.00%
7.25% .50%

5-Year Renewable

6.50%

6.75%
7.00%
.50%

5-Year Fixed Rate up to $15,000

5.50%

5.75%
6.00%
.50%

7-Year Fixed Rate up to $20,000

6.50%

6.75%
7.00%
.50%

Home Equity Line of Credit (Prime as of 1/04 + 1.5%)

7.00%

7.00%
7.00%
.50%

*Real estate rates and terms effective 04/01/10 until changed
**APR = Annual Percentage Rates

New & Used Vehicles & Recreational Vehicles *APR

Beacon Score/Grade:
24 Mos.

36 Mos.

48 Mos.

60 Mos.

72 Mos.

730+/Platinum

4.25%

4.50%

4.75%

4.75%

5.25%

680 - 729/A

4.50%

4.75%

5.00%

5.50%

6.00%

     640 - 679/B

6.00%

6.25%

6.50%

7.00%

7.50%

            600 - 639/ C

8.00%

8.25%

8.50%

9.00%

9.50%

            550 - 599/D

11.5%

11.75%

12.00%

12.50%

N/A

549 or less/E

15.0%

15.50%

16.00%

16.50%

N/A

*APR = Annual Percentage Rate

Signature/R-G Matic Loans APR*

730+/Platinum

8.25%

7.50%

680 - 729/A 9.25% 8.25%

640 - 679/B

11.50%

10.50%

600 - 639/ C

13.50%

12.50%

550 - 599/D

16.50%

N/A

549 or less/E

17.50%

N/A

*APR = Annual Percentage Rate

Share (Savings) Account*
Average Daily Balance:	$100 - $1,999	$2,000 - $4,999	$5,000 - $9,999	$10,000 - $19,999	$20,000 - Above
Annual Percentage Rate	.45%	.55%	.65%	.75%	.85%
Annual Percentage Yield	.45%	.55%	.65%	.75%	.85%

Smart Saver (Savings) Account*

Average Daily Balance:
$500 - $1,999

$2,000 - $4,999

$5,000 - $9,999

$10,000 - $19,999

$20,000 - Above

Annual Percentage Rate

.55%

.65%

.75%

.85%

.95%

Annual Percentage Yield

.55%

.65%

.75%

.85%

.95%

*Dividend Period: January 1st - March 31st 2010

Other Deposit Account Dividends

Deposit Account:
Drafts/Checking**

Christmas Club*

IRA Accounts*

Annual Percentage Rate

.15%

.95%

1.00%

Annual Percentage Yield

.15%

.95%

1.00%

*Dividend Period: January 1st - March 31st 2010
**Dividend Period: Monthly - Effective April 1st 2010

Secured Loans APR*

100% Share Secured up to 120 Months

4.50%

CD Secured Loans (2.5% Over Current CD Rate) Maximum Term up to Maturity Date of CD

Current CD rate +2.5%

*APR = Annual Percentage Rate

Unsecured VISA APR*

R-G Federal Credit Union Visa Card

12.75%

*APR = Annual Percentage Rate

First Mortgages*
Term:	Beacon Score Above 680 APR**	Beacon Score 640-679 APR**	Beacon Score 600 -639 APR**	Origination Fee
15-Year Fixed $25,000 - $50,000	5.75%	6.00%	6.25%	1.00%
15-Year Fixed $50,001 - $250,000	4.75%	5.00%	5.25%	1.00%
15-Year fixed $250,000 - to 10% of unimpaired capitol plus surplus	6.25%	6.50%	6.75%	1.00%
30-Year Fixed $25,000 - $50,000	6.00%	6.25%	6.50%	1.00%
30-Year Fixed $50,001 - $250,000	5.00%	5.25%	5.50%	1.00%
30-Year Fixed$250,000 - to 10% of unimpaired capital plus surplus	6.50%	6.75%	7.00%	1.00%
5-Year Renewable	5.00%	5.25%	5.50%	1.00%
Modification Agreement	2.00%

Second Mortgages*
Term:	Beacon Score Above 680 APR**	Beacon Score 640-679 APR**	Beacon Score 600-630 APR**	Origination
10-Year Fixed Rate	6.75%	7.00%	7.25%	.50%
5-Year Renewable	6.50%	6.75%	7.00%	.50%
5-Year Fixed Rate up to $15,000	5.50%	5.75%	6.00%	.50%
7-Year Fixed Rate up to $20,000	6.50%	6.75%	7.00%	.50%
Home Equity Line of Credit (Prime as of 1/04 + 1.5%)	7.00%	7.00%	7.00%	.50%

*New & Used Vehicles & Recreational Vehicles APR**
Beacon Score/Grade:	24 Mos.	36 Mos.	48 Mos.	60 Mos.	72 Mos.
730+/Platinum	4.25%	4.50%	4.75%	4.75%	5.25%
680 - 729/A	4.50%	4.75%	5.00%	5.50%	6.00%
640 - 679/B	6.00%	6.25%	6.50%	7.00%	7.50%
600 - 639/ C	8.00%	8.25%	8.50%	9.00%	9.50%
550 - 599/D	11.5%	11.75%	12.00%	12.50%	N/A
549 or less/E	15.0%	15.50%	16.00%	16.50%	N/A

Signature/R-G Matic Loans APR*
730+/Platinum	8.25%	7.50%
680 - 729/A	9.25%	8.25%
640 - 679/B	11.50%	10.50%
600 - 639/ C	13.50%	12.50%
550 - 599/D	16.50%	N/A
549 or less/E	17.50%	N/A

Smart Saver (Savings) Account*
Average Daily Balance:	$500 - $1,999	$2,000 - $4,999	$5,000 - $9,999	$10,000 - $19,999	$20,000 - Above
Annual Percentage Rate	.55%	.65%	.75%	.85%	.95%
Annual Percentage Yield	.55%	.65%	.75%	.85%	.95%

Other Deposit Account Dividends
Deposit Account:	Drafts/Checking**	Christmas Club*	IRA Accounts*
Annual Percentage Rate	.15%	.95%	1.00%
Annual Percentage Yield	.15%	.95%	1.00%

Secured Loans APR*
100% Share Secured up to 120 Months	4.50%
CD Secured Loans (2.5% Over Current CD Rate) Maximum Term up to Maturity Date of CD	Current CD rate +2.5%

Unsecured VISA APR*
R-G Federal Credit Union Visa Card	12.75%