Share Savings Accounts | Effective Date: October 1, 2008
Balance Amounts $100 to $4,999.99 $5,000 +
Account Dividend Rate* APY** Dividend Rate* APY**
Regular Savings/Membership Accounts, Youth Accounts, Special Savings Accounts, Custodial/Trust Accounts, IRA/Keogh Accumulative & Holiday Cub Accounts 0.500% 0.50% 0.500% 0.50%

Balance Amounts $100 - $2,499.99 $2,500 to $49,999.99 $50,000 +
Account Dividend Rate* APY** Dividend Rate* APY** Dividend Rate* APY**
You Name It Savings 0.700% 0.70% 1.735% 1.75% 1.980% 2.00%

Fee Schedule (PDF)

*Variable rate accounts. Rates may change at any time after the account is opened.

**APY is Annual Percentage Yield. Fees may reduce earnings. APY is calculated on the minimum average daily balance in the account each month. The Rate Schedule is regularly updated and made available at the Credit Union's offices, by telephone at 1-877-MERIWEST, or online at www.meriwest.com



Consumer Checking (Share Draft) Accounts | Effective Date: October 1, 2008
Balance Amounts $100 - $999.99 $1,000 - $4,999.99 $5,000 +
Account Dividend Rate* APY** Dividend Rate* APY** Dividend Rate* APY**
Smart Checking 0.200% 0.20% 0.300% 0.30% 0.400% 0.40%

Fee Schedule (PDF)

*Variable rate accounts. Rates may change at any time after the account is opened.

**APY is Annual Percentage Yield. Fees may reduce earnings. APY is calculated on the minimum average daily balance in the account each month. The Rate Schedule is regularly updated and made available at the Credit Union's offices, by telephone at 1-877-MERIWEST, or online at www.meriwest.com


Consumer Money Market Accounts | Effective Date: October 1, 2008
Balance Amounts $2,500 - $9,999.99 $10,000 - $24,999.99 $25,000 - $49,999.99 $50,000 - $99,999.99 $100,000 - $249,999.99 $250,000 +
Account Dividend Rate* APY** Dividend Rate* APY** Dividend Rate* APY** Dividend Rate* APY** Dividend Rate* APY** Dividend Rate* APY**
Regular Money Market 1.045% 1.05% 1.143% 1.15% 1.2426% 1.25% 1.341% 1.35% 1.341% 1.35% 1.341% 1.35%
Premium High Yield Money Market 1.045% 1.05% 1.143% 1.15% 2.616% 2.65% 2.616% 2.65% 2.956% 3.00% 2.956% 3.00%

Fee Schedule (PDF)

*Variable rate accounts. Rates may change at any time after the account is opened.

**APY is Annual Percentage Yield. Fees may reduce earnings. APY is calculated on the minimum average daily balance in the account each month. The Rate Schedule is regularly updated and made available at the Credit Union's offices, by telephone at 1-877-MERIWEST, or online at www.meriwest.com


Certificate Accounts | Effective Date: October 1, 2008

Liquid Certificate
Deposit Amount $10,000
Term Dividend Rate* APY**
5-month 2.713% 2.75%

 

Pick-A-Term Share Certificate - Fixed Term
Deposit Amounts $1,000 - $9,999.99 $10,000 - $49,999.99 $50,000 +
Term Dividend Rate* APY** Dividend Rate* APY** Dividend Rate* APY**
1 mo (30 - 59 days) 0.846% 0.85% 0.846% 0.85% 0.846% 0.85%
2 mos (60 - 89 days) 0.846% 0.85% 0.846% 0.85% 0.846% 0.85%
3 mos (90 - 179 days) 2.372% 2.40% 2.421% 2.45% 2.421% 2.45%
6 mos (180 - 364 days) 2.567% 2.60% 2.762% 2.80% 2.762% 2.80%
1 yr (365 - 730 days) 2.956% 3.00% 2.956% 3.00% 2.956% 3.00%
2 yrs (731 - 1095 days) 3.247% 3.30% 3.344% 3.40% 3.344% 3.40%
3 yrs (1096 - 1459 days) 3.440% 3.50% 3.537% 3.60% 3.537% 3.60%
4 yrs (1460 - 1824 days) 4.018% 4.10% 4.018% 4.10% 4.018% 4.10%
5 yrs (1825 + days) 4.114% 4.20% 4.114% 4.20% 4.114% 4.20%

*Rates are subject to change without notice.

**Annual Percentage Yield (APY) is calculated on minimum balance requirements on a 365 day basis. Fees could reduce annual percentage yield earned. All Savings and Checking dividends & fees are determined by the average daily collected balance for the month. Early withdrawal penalties never exceed accrued and paid dividends. Federal regulations require dividends be paid from available earnings; dividends are contingent upon this regulation.


Consumer Auto Loans | Effective Date: October 6, 2008
Fixed Auto Loans Terms APR* As Low As
New Auto 0 - 60 Months** 5.24%***
Used Auto 0 - 60 Months** 5.74%***

* APR = Annual Percentage Rate

**Auto Loans over 60 months, rate is 0.50% higher. 72 month financing available for loans exceeding $15,000. 84 month financing available for loans exceeding $25,000.

*** Rates, terms and conditions of loan will be based on individual credit worthiness. Rates include .25% discount for automatic payment transfer. Additional rate discounts available for 80% financing, qualifying Relationship Advantage(R) level and Hybrid vehicles.

Rate for Motorcycle loans available upon request



Fixed Rate New & Used Boats, RV's and Airplanes Terms APR*
New Boat, RV's and Airplanes Up To 144 Months 10.00%
Used Boat, RV's and Airplanes Up To 120 Months 10.00%

Variable Rate New & Used Boats, RV's and Airplanes 85% Financing 95% Financing
  Terms % Above Index APR* % Above Index APR*
New Boat, RV's and Airplanes Up To 144 Months 1.25% 7.00% 1.75% 8.00%
Minimum 7.00% Minimum 8.00%
Maximum 14.00% Maximum 14.00%
Used Boat, RV's and Airplanes Up To 120 Months 1.25% 7.00% 1.75% 8.00%
Minimum 7.00% Minimum 8.00%
Maximum 16.00% Maximum 16.00%

*APR = Annual Percentage Rate


Consumer Unsecured Loans and Lines of Credit | Effective Date: October 1, 2008
Variable Rates
Maximum Credit Line
% Above Index
APR*
ValueChoice**
$50,000
7.25%
12.25%
Maximum 21.00%
Personal Loan Up to $25,000 Approx. Term 60 months 8.00% 15.00%
Minimum 15.00%
Maximum 18.00%
Money Manager $500 Minimum up to $25,000 12 - 24 mos. 13.25%
25 - 48 mos. 14.25%
Prime Rate Loan Index: 5.00%
Credit Union Loan Index: 3.25%

* APR = Annual Percentage Rate

** An established Line of Credit

ValueChoice rate tied to Prime Rate Loan Index, Personal and Cosigner Loan rate tied to C.U. Loan Index.


Effective Date: October 1, 2008| Owner Occupied Residential
Loan Type
Maximum Loan to Value
Margin
APR*,^
Maximum APR*
Equity Merit - Home Equity Line of Credit (Variable Rate)
Up to $250,000
80%
 -0.01% 4.74% 18%
Alternate Program (Variable Rate)
$150,000 Maximum line 70% 2.50% 7.25% 18%
$50,000 Maximum line 70% 7.25% 12.00% 18%

Minimum Line Amount = $10,000
^Rate discount of 0.25% for automatic payment transfer applied.
An additional rate discount of 0.25% with Relationship Advantage? may be available.
"Interest Only" Payment Option Available
No Third Party Fees. Up to $250,000
No Prepayment Penalty
Other options may be available, call 1-877-Meriwest for details
Terms and Conditions (PDF)

Loan Type
Maximum Loan to Value
Margin
APR*,^
Maximum APR*
Equity Merit Jumbo (Variable Rate) $500,000 Maximum line 65% 2.25% 7.00% 18%

* APR = Annual Percentage Rate

Minimum $25,000 Cash Advance at Closing.
^Rate discount of 0.25% for automatic payment transfer applied.
An additional rate discount of 0.25% with Relationship Advantage? may be available.
"Interest Only" Payment Option Available
Origination, Closing and Third Party Fees apply (approx. $1,500.00)
All Fees refunded after an equal amount of Interest is Paid on Line
No Prepayment Penalty.
Secured by Second Deed of Trust



Loan Type
Term
Maximum Loan to Value
APR*
Monthly Payment Per $5000 Borrowed**
Meriwest Community Advantage - Home Equity Loan (Fixed Rate)
Up to $250,000 7 years 80% 6.49% $74.25
Up to $250,000 10 years 80% 6.99% $58.05
Up to $250,000
15 years
 80%
7.49%
 $46.32
Less than Perfect Credit
$50,000 Maximum line
15 years
70%
12.99%
 $63.28

* APR = Annual Percentage Rate
Minimum $10,000 Loan Amount
** The payments listed are for informational purpose only. The actual payments are based on the amount borrowed, loan term and rate.
Other options may be available, call 1-877-Meriwest for details


Consumer Other Selected Loans | Effective Date: October 1, 2008
Variable Rates Maximum Credit Line % Above Index APR*
Stock Exchange Line of Credit** 85% of previous day's closing value of IBM stock on deposit 2.50% 10.00%
Minimum 10.00%
Maximum 18.00%
Interest Only Stock Loan 85% of previous day's closing value of IBM stock on deposit. Interest paid monthly. Approx. Term - 12 months from original advance. 2.50% 10.00%
Minimum 10.00%
Maximum  
SClass "A" Stock Loan 75% of previous day's closing value of stock on deposit. Approx. Term - 60mos. Must be "A" rated in Standard & Poor's most current publication. 3.50% 11.00%
Minimum 11.00%
Maximum 18.00%
    % Above Index
Share Pledge 100% of unpledged shares on deposit. Approx. Maturity 120 months. 2.50% above dividend rate paid, rounded up to the next whole number
Certificate Pledge - Certificate matures in 6 months or less 90% of unpledged funds on deposit. Repayment due at certificate maturity 2.50% above dividend rate paid, rounded up to the next whole number
Certificate Pledge - Certificate maturity exceeds 6 months 100% of unpledged funds on deposit. Repayment must be amortized, monthly amortization not to exceed certificate maturity or interest only with balloon payment at certificate maturity due at certificate maturity 2.50% above dividend rate paid, rounded up to the next whole number

*APR = Annual Percentage Rate
** An established Line of Credit


Business Checking (Share Draft) Accounts | Effective Date: September 1, 2008
Balance Amounts $100 - $2,499.99 $2,500 - $9,999.99 $10,000 - $24,999.99 $25,000 - $49,999.99 $50,0000 - $99,999.99 $100,000 - $249,999.99 $250,000 +
Account Dividend Rate* APY** Dividend Rate* APY** Dividend Rate* APY** Dividend Rate* APY** Dividend Rate* APY** Dividend Rate* APY** Dividend Rate* APY**
Business Basic Checking 0.100% 0.10% 0.200% 0.20% 0.250% 0.25% 0.300% 0.30% 0.349% 0.35% 0.449% 0.45% 0.598% 0.60%
Business Premier Checking 0.200% 0.20% 0.300% 0.30% 0.399% 0.40% 0.499% 0.45% 0.499% 0.50% 0.548% 0.55% 0.797% 0.80%

Fee Schedule (PDF)

*Variable rate accounts. Rates may change at any time after the account is opened.

**APY is Annual Percentage Yield. Fees may reduce earnings. APY is calculated on the minimum average daily balance in the account each month. The Rate Schedule is regularly updated and made available at the Credit Union's offices, by telephone at 1-877-MERIWEST, or online at www.meriwest.com


Business Share Savings Accounts | Effective Date: October 1, 2008
Balance Amounts $100 +
Account Dividend Rate* APY**
Business Savings 0.499% 0.50%

Fee Schedule (PDF)

*Variable rate accounts. Rates may change at any time after the account is opened.

**APY is Annual Percentage Yield. Fees may reduce earnings. APY is calculated on the minimum average daily balance in the account each month. The Rate Schedule is regularly updated and made available at the Credit Union's offices, by telephone at 1-877-MERIWEST, or online at www.meriwest.com


Business Money Market Accounts

Effective Date: October 1, 2008
Balance Amounts $2,500 - $9,999.99 $10,000 - $24,999.99 $25,000 - $49,999.99 $50,000 - $99,999.99 $100,000 - $249,999.99 $250,000 +
Account Dividend Rate* APY** Dividend Rate* APY** Dividend Rate* APY** Dividend Rate* APY** Dividend Rate* APY** Dividend Rate* APY**
Business Money Market Account 1.045% 1.05% 1.143% 1.15% 1.735% 1.75% 3.053% 3.10% 3.344% 3.40% 3.344% 3.40%

Business Fee Schedule (PDF)

*Variable rate accounts. Rates may change at any time after the account is opened.

**APY is Annual Percentage Yield. Fees may reduce earnings. APY is calculated on the minimum average daily balance in the account each month. The Rate Schedule is regularly updated and made available at the Credit Union's offices, by telephone at 1-877-SEE-RICH, or online at www.meriwest.com


Business Certificate Accounts | Effective Date: October 1, 2008

Liquid Certificate
Deposit Amount $10,000
Term Dividend Rate* APY**
5-month 2.713% 2.75%

 

Pick-A-Term Business Share Certificate - Fixed Term
Deposit Amounts $1,000 - $9,999.99 $10,000 - $49,999.99 $50,000 +
Term Dividend Rate* APY** Dividend Rate* APY** Dividend Rate* APY**
1 mo (30 - 59 days) 0.846% 0.85% 0.846% 0.85% 0.846% 0.85%
2 mos (60 - 89 days) 0.846% 0.85% 0.846% 0.85% 0.846% 0.85%
3 mos (90 - 179 days) 2.372% 2.40% 2.421% 2.45% 2.421% 2.45%
6 mos (180 - 364 days) 2.567% 2.60% 2.762% 2.80% 2.762% 2.80%
1 yr (365 - 730 days) 2.956% 3.00% 2.956% 3.00% 2.956% 3.00%
2 yrs (731 - 1095 days) 3.247% 3.30% 3.344% 3.40% 3.344% 3.40%
3 yrs (1096 - 1459 days) 3.440% 3.50% 3.537% 3.60% 3.537% 3.60%
4 yrs (1460 - 1824 days) 4.018% 4.10% 4.018% 4.10% 4.018% 4.10%
5 yrs (1825 + days) 4.114% 4.20% 4.114% 4.20% 4.114% 4.20%

*Rates are subject to change without notice.

**Annual Percentage Yield (APY) is calculated on minimum balance requirements on a 365 day basis. Fees could reduce annual percentage yield earned. All Savings and Checking dividends & fees are determined by the average daily collected balance for the month. Early withdrawal penalties never exceed accrued and paid dividends. Federal regulations require dividends be paid from available earnings; dividends are contingent upon this regulation.




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Meriwest accounts are federally insured up to $100,000 by the National Credit Union Administration,
a U.S. Government Agency. Meriwest certificate accounts are privately guaranteed by American Share Insurance for an additional $100,000.
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