Members Trust of the Southwest FCU

Deposit rates - as of 03/09/2010

Account Type	Deposit Type	Dividend Rate	APY
Super Saver Money Market	< 500.00	0.00	0.00
Super Saver Money Market	500.00 to 24,999.99	0.55	0.55
Super Saver Money Market	25,000.00 to 49,999.99	0.80	0.80
Super Saver Money Market	50,000.00 to 74,999.99	1.05	1.06
Super Saver Money Market	75,000.00 to 99,999.99	1.15	1.16
Super Saver Money Market	100,000.00 and over	1.25	1.26

Account Type	Deposit Type	Dividend Rate	APY
Premier Savings	< 200.00	0.00	0.00
Premier Savings	200.00 to 4,999.99	1.00	1.00
Premier Savings	5,000.00 to 24,999.99	1.20	1.21
Premier Savings	25,000.00 to 49,999.00	1.40	1.41
Premier Savings	50,000.00 and over	1.50	1.51
	Rate for Jan, Feb & Mar 2010

Account Type	Deposit Type	Dividend Rate	APY
IRA / HSA	200.00 to 9,999.99	1.05	1.06
IRA / HSA	10,000.00 to 49,999.99	1.30	1.31
IRA / HSA	50,000.00 and over	1.55	1.56

Share Rates	Dividend Rate	APY
Share (Savings)	0.50	0.50
Cattle Accounts	0.50	0.50
Christmas Club & Vacation	0.50	0.50
Share Draft (Checking)	0.10	0.10
Youth Accounts	0.50	0.50

Certificate Accounts	Min. $1,000		Mini-jumbo / min. $25,000		Jumbo / min. $90,000
	Dividend Rate	APY	Dividend Rate	APY	Dividend Rate	APY
182 Days	1.20	1.21	1.25	1.26	1.30	1.31
1 Year	1.70	1.71	1.75	1.76	1.80	1.81
2 Years	2.15	2.17	2.20	2.22	2.25	2.27
3 Years	2.50	2.53	2.55	2.58	2.60	2.63
4 Years	2.70	2.73	2.75	2.78	2.80	2.84
5 Years	2.85	2.89	2.90	2.94	3.00	3.04

Loan Rates - as of 10/14/2009

New & Used Auto All Models
Terms	Rates As Low As:
Auto - 24 Months	4.95
Auto - 36 Months	4.95
Auto - 48 Months	4.95
Auto - 60 months	4.95
Auto - 72 months	5.70
Personal Loan Rates (Max 48 Months)	7.90
Term Share Certificate (2% over certificate rate)	Rate + 2%
Term Share Certificate - Bump Up (3% over certificate rate)	Rate + 3%
Super Saver Secured (3% over high split)	4.85
Share Secured over $1,000 (up to 120 months)	3.75
Share Secured under $1,000 (up to 120 months)	5.75
Master Card	13.90
New Farm Equipment (up to 60 months)	6.50
Used Farm Equipment (up to 60 months)	6.50
Dairy Equipment (up to 60 months)	6.50
Cattle	6.50
Mobile Homes	7.05
Home Improvement (up to 15 years)	6.50
Variable Real Estate - (Residential & Non Commercial ARM)	6.25
New & Used Trucks (Commercial Use) All Models	6.50
RV's, Boats	same as autos
Residential Real Estate	Call for Rates
Home Equity (Greater than $50,000.00)	6.75
Home Equity (Less than $50,000.00)	7.25
Fixed Rate Real Estate Loans	7.00

* Rates are stated in APR. APR is Annual Percentage Rates. Certain credit criteria applies. Rates are subject to change without notice.
** APY - Annual Percentage Yield

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Houston • 2315 Mangum Rd • 713-681-0339
Stephenville • 2311 Northwest Loop • 254-968-8543

Your savings federally insured to at least $250,000.00 and backed by the full faith and credit of the United States Government