Rates effective as of March 15, 2010. Rates are subject to change. Please check with your local branch, or call if we can answer any questions. Secured Loans APR Range * New Autos Model Years 2009 or newer 0 - 48 months 4.79% - 15.04% 49 - 60 months 5.29% - 15.54% 61 - 72 months 5.79% - 16.04% 73 - 84 months 6.79% - 17.04%   Used Autos Model Years 2003-2008 0 - 48 months 5.49% - 15.74% 49 - 60 months 5.99% - 16.24% 61 - 72 months 6.49% - 16.74%   Green Auto Loan Hybrid Autos- model years, 2009 or newer 0 - 48 months 4.54% - 14.79% 49 - 60 months 5.04% - 15.29% 61 - 72 months 5.54% - 15.79% 73 - 84 months 6.54% - 16.79%   New / Used Motorcycles Model Years 2000 - 2010 0 - 60 months 6.79% - 17.04% 61 - 72 months 7.79% - 18.04%   RVs, Boats, Marine Mortgages 0 - 84 months 6.79% - 17.04% 85 - 144 months 7.79% - 18.04%   Older Used Autos / Water and Snow Craft Model Years 1995 - 2002 0 - 60 months 7.49% - 17.74%   Share Secured 24 months Share rate +4.00%   Certificate Secured Loans Certificate maturity date Certificate rate + 4.00%   Unsecured Loans APR Range * Personal Loan 0 - 60 months 11.95% - 18.95%   Personal Line of Credit $25 annual fee, waived if $25 or more in total finance charges paid in previous 12 months   11.95% - 18.95%   VISA Blue1 Low variable rate, no annual fee, 25-day grace period 10.95% - 17.95%   VISA Platinum1 Low variable rate, Extra Awards Program, $39 annual fee waived with $2,500 or more in annual purchases, 25-day grace period   11.95% -18.95% First Mortgages Sound Credit Union offers a wide variety of fixed and adjustable rate mortgage products. Call our Real Estate Department at (253) 383-2016 for current rates and information. Home Equity Term APR Range * Fixed Home Equity2 Up to 75% LTV Maximum 5 Years 5.69% - 8.69% Up to 75% LTV Maximum 10 Years 6.39% - 9.39% Up to 75% LTV Maximum 15 Years 7.09% - 10.09% 75% - 85% LTV Maximum 5 Years 6.94% - 8.69% 75% - 85% LTV Maximum 10 Years 7.64% - 9.39% 75% - 85% LTV Maximum 15 Years 8.34% - 10.09%   30/7 Home Equity Loan3 Up to 75% LTV Max. 7 years, (payments amortized over 30 years) 7.09% - 10.09% Even though payments are amortized over 30 years the loan's term is 7 years. After 7 years you can simply rewrite the loan with Sound (or another lending institution) or pay the loan off in full. Home Equity Line Of Credit Up to 75% LTV 4.49% - 8.25% 75% - 85% LTV 5.25% - 8.25% Low variable rates. Maximum loan amount is determined by amount of equity in home. Access the account through Home Equity Line of Credit checks or VISA Gold Credit Card. Accounts may also be accessed at ATMs and Point of Sale locations, via the telephone or in person at the credit union.

Land Loans4	Term	Rate	APR *
50% Financing LTV	Max 7 Years, (amortized over 20 years)	8.49%	8.922%

Student Loans

Sound Credit Union offers two types of government-sponsored student loan products: The Stafford Loan (for students) and the PLUS loan (for parents). These guaranteed student loans are processed through a credit union student loan network. Applicants are asked to fill out the required Free Application for Federal Student Aid (FAFSA). Approved loan amounts are based on individual financial need as determined by the Government's Student Aid Report (SAR).

All loans:
*APR is Annual Percentage Rate. All loans are subject to credit approval. Your rate and credit limit will be determined based on individual creditworthiness including income, debt ratio, and employment. Verification of income may be required. Must be 18 years of age to qualify for a loan. Must be a Sound Credit Union member to participate. Anyone who lives or works in WA can join. Membership at Sound requires a savings account with a minimum balance of $25.

¹VISA Credit Cards:
The Annual Percentage Rate may increase or decrease if the Index increases or decreases. The Index is the highest rate of interest identified as the 'Prime Rate' in the 'Money Rates' column of the Wall Street Journal. The Annual Percentage Rate will be equal to the Prime Rate plus a margin of: For Visa Blue: 7.70%-14.70%. For Visa Platinum: 8.70%-15.70%. The interest rate can change monthly on the first day of each month following a change in the Prime Rate as of 5 days before the end of the previous month. The Annual Percentage Rate will never be more than the maximum rate allowed by applicable law. Any increase will take the form of more payments of the same amount.

²Home Equity Loans and Home Equity Lines of Credit:
Homeowners insurance is required. A $295 early closure fee is applied if the loan is closed within the first 36 months. Maximum loan amount is determined by the amount of equity in your home. Equity in your home is based on appraised value. The annual percentage rate includes only interest and no other costs and is based on the value of an index. This index is the Prime Rate published in the Wall Street Journal and is current as of 3/1/10 and could change at any time. Sound will use the most recent Index available as of 5 days before the date of any change to the Annual Percentage Rate. To determine the Annual Percentage Rate, which will apply to your account, a margin will be added to your current Index rate. Home equity line of credit has a variable rate feature and an APR (corresponding to the month periodic rate) and the minimum payment may change as a result. Most home equity loans qualify for deductible interest. Consult your tax advisor for details.

In no event will the Annual Percentage Rate be less than 4.49% or more than the lesser of 18% per annum of the maximum rate allowed by applicable law.

Borrow up to 85% of appraised value for Fixed Home Equity loans and Home Equity Lines of Credit. Borrow up to 75% for 30/7 Home Equity Loans. Non-owner occupied and manufactured home fixed home equity rates are 1.50% higher than rates listed above; maximum LTV 75% with a maximum loan amount of $50,000. Non-owner occupied and manufactured home HELOC rates: 6.25% - 9.25% APR; maximum LTV 75% with a maximum loan amount of $50,000.

³30/7 Home Equity Loan:
This loan has a balloon payment feature, and the minimum monthly payments will not pay the loan in full by the maturity date. At the maturity date, a member will have to pay the entire outstanding balance from their own resources, or take a loan with either Sound Credit Union or another lending institution.

⁴Land Loans:
Annual Percentage Rate is based on a loan amount of $100,000 with 50% down payment on a 20 year amortization with a 7-year balloon payment. Financing available up to 50% of the appraised value. To calculate the loan-to-value (CLTV), take the land loan amount and divide that by the value of the land. Property must be zoned residential and cannot exceed ten (10) acres. Maximum loan amount $500,000. Sound Credit Union must be first lien position. 1.5% origination fee and other third party fees apply. Property must be located in Washington State. Additional terms may apply.