Louisiana Federal Credit Union

Rates

Deposit Rates
Loan Rates

Money Market Accounts

Average Daily Balance	Rate	Yield
$5,000 - $9,999	.25%	.25%
$10,000 and over	.50%	.50%
*Regular share rate will apply if balance falls below minimum requirement. Applicable fees may reduce earnings on any account.

Share and club account dividend rates are based on the following tiered average daily balances:

Dividend Rates

Average Daily Balance	Dividend Rate	Annual Percentage Yield (APY)
Share and Club Accounts with Balances < $2,499	.10%	.10%
Share and Club Accounts with Balances > $2,500	.15%	.15%
IRA Shares	.50%	.50%
For all accounts, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Board of Directors. Applicable fees may reduce earnings on any account.

Checking Accounts Dividend Rates

Average Daily Balance	Dividend Rate	Annual Percentage Yield (APY)
Interest Checking	.10%	.10%
For all accounts, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Board of Directors. Minimum balance for account is $500. Applicable fees may reduce earnings on any account.

Share Certificate & Individual Retirement Account Certificate Rates

(Minimum Deposit of $1,000)

Type	Dividend Rate	Annual Percentage Yield (APY)
6 Months	.25%	.25%
1 year	.50%	.50%
18 Months	.75%	.75%
2 years	1.00%	1.00%
3 years	1.25%	1.26%
4 years	1.50%	1.51%
5 years	1.75%	1.76%
A penalty will be imposed for early withdrawal. Applicable fees may reduce earnings on any account.

Ask us about our dividend rate features:

Step Rate Option for 2-5 year terms
Jumbo rates available

Visa® Credit Card Rates

All Visas have NO Annual Fee and no fees for balance transfers or cash advances. All rates are fixed.

Type	APR*
Platinum Rewards	7.90%
Platinum	9.90-15.90%
Platinum Smart Start	15.90%
Platinum Student Advantage	0.0%

Unsecured Loan Rates

Type	APR*
Tuition	6.25-17.50%
Signature	7.99-17.99%
Line of Credit	7.99-17.99%
Overdraft Protection	7.99-17.99%
*All loan rates are based on credit history. All loan rates are subject to change. For tuition loans: 10 monthly payments of $102.90 per $1,000 borrowed at 6.25%. For signature loans: 60 monthly payments of $20.28 per $1,000 borrowed at 7.99%.

Pledged Loan Rates

Type	APR*
Share Pledge	2.75%
Certificate Pledge	2.50% above CD rate

Vehicle Loan Rates

Includes New & Used Cars.

Type	APR*
48 Months	2.49-15.99%
60 Months	2.49-16.99%
72 Months	2.49-17.99%
84 Months	4.49-17.99%
*All loan rates are based on credit history. All loan rates are subject to change. Not all members and/or vehicles are eligible for 72 or 84 month financing. 84 monthly payments of $13.90 per $1,000 borrowed at 4.49%.

Vehicle Rate Discounts
Green Discount*	.25%
Direct deposit of net payroll, social security or pension check into your Louisiana FCU checking account	.50%
^*Green discount of .25% for financing a vehicle listed on the Green Vehicle Guide produced by the EPA. These vehicles must be designated as SmartWay or SmartWay Elite. Contact the credit union for details.

Recreational Vehicle Loan Rates

Includes Motorcycles, Recreational Vehicles, Boats, and Sportcrafts

Type	APR*
84 Months	5.99-17.99%
*All loan rates are based on credit history. All loan rates are subject to change. 84 monthly payments of $14.61 per $1000 borrowed at 5.99%.

Mortgage Rates

Louisiana FCU offers a variety of mortgage products such as 1^st Mortgages, Home Equity Loans, Vacant Land Loans and Construction Loans. Mortgage rates change on a daily basis. You may call 985.653.1702 or 985.652.4990 ext 1427 to receive current rates.

*APR = Annual Percentage Rate