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Current Rates

All Loan Rates are shown as Annual Percentage Rate or APR

Vehicle Secured Loan With 5 year Old Collateral

A+ 24mon 4.00%	A+ 36mon 4.25%	A+ 48mon 4.50%	A+ 60mon 4.75%	A+ 72mon 5.00%	A+ 84mon 5.25%
A 24mon 4.50%	A 36mon 4.75%	A 48mon 5.00%	A 60mon 5.25%	A 72mon 5.50%	A 84mon 5.75%
B 24mon 5.50%	B 36mon 5.75%	B 48mon 6.00%	B 60mon 6.25%	B 72mon 6.50%	B 84mon 6.75%
C 24mon 7.50%	C 36mon 7.75%	C 48mon 8.00%	C 60mon 8.25%	C 72mon 8.50%	C 84mon 8.75%
D 24mon 12.50%	D 36mon 12.75%	D 48mon 13.00%	D 60mon 13.25%	D 72mon 13.50%	D 84mon 13.75%

84 month financing available only on financing over $30,000.

Vehicle Secured Loans With 5 year and Older Collateral

A 24mon 6.75%	A 36mon 7.00%	A 48mon 7.25%	A 60mon 7.50%	A 72mon 7.75%
B 24mon 7.75%	B 36mon 8.00%	B 48mon 8.25%	A 60 mon 8.50%	B 72mon 8.75%
C 24mon 9.75%	C 36mon 10.00%	C 48mon 10.25%	C 60mon 10.50%	C 72mon 10.75%
D 24mon 14.75%	D 36mon 15.00%	D 48mon 15.25%	D 60mon 15.50%	D 72mon 15.75%

Unsecured Loans

A 12.00%

B 13.00%

C 18.00%

D 18.00%

New/Used Motor Homes/RV's

A+ - As Low As 7.00%

A - As Low As 8.00%
B - As Low As 9.00%

C - As Low As 11.00%

D - As Low As 16.00%

Fixed and Variable Second Mortgage Loans

Fixed	Variable
A+ 8.15%	A+ 6.15%
A 8.65%	A 6.65%
B 9.15%	B 7.15%
C & D 13.15%	C & D 11.15%

Savings and Certificate Loans

3% Above Savings and Certificate Dividend Rate

BANNER FEDERAL CREDIT UNION

Current Savings Rates

	Dividend Rate	Annual Percentage Yield
REGULAR SHARES	1.00%	1.00%
CLUB SAVINGS	1.00%	1.00%
CHECKING $500 Minimum	0.50%	0.50%

MONEY MAXIMIZER $0 - $999	1.00%	1.00%
$1,000 - $9,999	2.00%	2.02%
$10,000 - $25,000	2.75%	2.79%
$25,000+	3.00%	3.04%

IRA SAVINGS $0 - $10,000	3.06%	3.10%
$10,000+	4.02%	4.10%

CERTIFICATE RATES
Effective 04/07/2008

SHARE / IRA CERTIFICATES

TYPE CODES

		REG	IRA	ROTH	EDU
6 Months $500+ $9,999	1.98% APR 2.00% APY	01	50	62	74
6 Months $10,000+	2.96% APR 3.00% APY	02	51	63	75
1 Year $500+ $9,999	2.23% APR 2.25% APY	03	52	64	76
1 Year $10,000+	3.20%APR 3.25% APY	04	53	65	77
18 Mo's $500+ $9,999	2.28% APR 2.30% APY	05	54	66	78
18 Mo's $10,000+	3.25% APR 3.30% APY	06	55	67	79
2 Year $500+ $9,999	2.32% APR 2.35% APY	07	56	68	80
2 Year $10,000+	3.30% APR 3.35% APY	08	57	69	81
30 Mo's $500+ $9,999	2.37% APR 2.40% APY	09	58	70	82
30 Mo's $10,000+	3.35% APR 3.40% APY	10	59	71	83
3 Year $500+ $9,999	2.42% APR 2.45% APY	11	60	72	84
3 Year $10,000+	3.40% APR 3.45% APY	12	61	73	85

The minimum balance requirement to open a Share Certificate is $500.
You must maintain a minimum daily balance equal to the minimum balance required to open Your Account each day to obtain the disclosed annual percentage yield.

Early Withdrawal Provisions
The Credit Union will impose a penalty if You withdraw any of the principal funds from Your Account before the maturity date. The penalty imposed will equal 30 days of dividends on Your Account with a term of one year or less and 90 days of dividends for Accounts with a term greater than 1 year.