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Dividend Rates Loan Interest Rates

(effective October 1, 2008***)

Account Type	Minimum Deposit*	Annual Percentage Rate (APR)	Annual Percentage Yield (APY)

Shares	$25.00	1.00%	1.00%

Christmas Club Account	$5.00	1.00%	1.00%

IRA	$100.00	3.25%	3.29%

(effective October 1, 2008***) The certificates listed below are available for a limited time.

Certificate Term**	Minimum Deposit*	Annual Percentage Rate (APR)	Annual Percentage Yield (APY)

3 Months	$1,000.00	2.55%	2.57%
6 Months	$1,000.00	2.80%	2.83%
12 Months	$1,000.00	3.00%	3.03%

*Minimum deposit required to open certificate account.

**We may impose a penalty if you withdraw any of the principal from a certificate account before the maturity date.

***Quoted annual percentage rates (APR), annual percentage yields (APY), and effective dates are subject to change without notification at the discretion of the Board of Directors. The Dividend Rate and Annual Percentage Yield are the prospective rate and yield the Credit Union anticipates paying for the applicable dividend period.

(effective October 1, 2008***)

Dividends Credited & Compounded**	Minimum Deposit*	Annual Percentage Rate (APR)	Annual Percentage Yield (APY)

Monthly (Calendar)	$1,000.00	2.00%	2.02%

*Minimum deposit required to open, and the minimum Daily Balance required to avoid a service fee for the calendar month.

**Account transfer and withdrawal limitations apply.

***Quoted annual percentage rate (APR), annual percentage yield (APY), and effective date are subject to change without notification at the discretion of the Board of Directors. The Dividend Rate and Annual Percentage Yield are the prospective rate and yield the Credit Union anticipates paying for the applicable dividend period. Fees or other conditions could reduce earnings.

(For all the above, contact the Credit Union for more information, restrictions, and disclosures.)

Unless stated otherwise, the following loan rates are disclosed as annual percentage rates and are effective October 1, 2008*.

Loan Type		Annual Percentage Rate (APR)

Line of Credit Loans		14.00%

Overdraft Line of Credit Loans		14.00%

Holiday Line of Credit Loans		14.00%

Summer Vacation Line of Credit Loans		14.00%

Disaster Loans		12.00%

Debt Consolidation Loans		16.00%

90-Day Notes		14.00%

Tax Relief Line of Credit Loans		14.00%


New Vehicles
Approximate Term		Annual Percentage Rate (APR)
48 Months		As low as 5.00%***
84 Months		As low as 6.50%***


New Luxury Vehicles: Loan > $40,000 and term > 84 Months (approximate term 120 Months)		As low as 7.00%***

New Boats & RV's: Loan > $20,000 and term > 84 Months (approximate term 120 Months)		As low as 7.00%***

Used Vehicles
Approximate Term		Annual Percentage Rate (APR)
48 Months		As low as 6.75%***
84 Months		As low as 7.00%***


Used Luxury Vehicles: Loan > $40,000 and term > 84 Months (approximate term 120 Months)		As low as 7.50%***

Used Boats, RV's & Classic Autos: Loan > $20,000 and term > 84 Months (approximate term 120 Months)		As low as 7.50%***

No Credit Check Vehicle Loans (approximate term 48 Months)		17.00%

Certificate Secured Loans		Secured Certificate Rate Plus 2.00%

PC Equipment Loans		8.00%

Share Loans		Share Rate Plus 3.00%

PLUS Educational Loans

	Disbursed on or after 7/1/06 (Fixed Rate)	8.50%
	Disbursed between 7/1/98 and 6/30/06 (Variable Rate 7/1/08 - 6/30/09)	5.01%

Home Improvement Loans		8.50%

**Land Loans		8.50%

**New Mobile Homes		9.50%

**Used Mobile Homes		10.50%

**Home Equity Loans (Variable Rate)		Prime Rate + 1%

*Quoted annual percentage rates (APR) and effective dates are subject to change without notification at the discretion of the Board of Directors.
Eligible property must be located within the State of North Carolina. *The loan rates shown are our premium rates based on Welcome Credit Union’s risk-based lending program. Your rate may vary and is determined by your credit score, amount financed, collateral, and loan terms. Other rates and terms are available. All rates and terms are subject to change without notice.
For more information, call or stop by any of our branch offices. Main Branch-RTP 919-483-1648 Moore Drive Branch-RTP 919-483-8844 Zebulon Branch 919-269-1225 Greenville Branch 252-758-3279 Henderson Branch 252-430-3655 Attention GlaxoSmithKline Field Staff: The Main Branch serves Field Staff residing west of the Mississippi. The Moore Drive Branch serves Field Staff residing east of the Mississippi.

Welcome Credit Union is an "Equal Opportunity Lender", making loans without regard to race, color, religion, sex, national origin, marital status, or age.

WCU Main Branch - RTP

Phone #: 919-483-1648

Fax #: 919-549-7563

Toll-Free #: 800-545-2965

Toll-Free Emergency #: 877-285-6228

Other Branches

WCU's Routing & Transit #: 253177120

The Tree Swirl Service mark is a registered trademark of Welcome Credit Union. Unauthorized use is prohibited.