Dexter Credit Union

Click here for our Truth-In-Savings Disclosure
Click Here for our Fee Schedule

APY: Annual Percentage Yield.

FOR 04/01/08 - 06/30/08
TYPE		RATE	APY *
Deposit	min of $25.00	.25%	.25%
Share	min. of $25.00	.55%	.55%
Interest Checking	Balance up to $1,000.00	.10%	.10%
Interest Checking	Balance above $1,000.00	.50%	.50%
Money Market	min. $500.00	.85%	.85%
Club	--	.25%	.25%
IRA	min. $100.00	1.00%	1.00%
All rates and terms subject to change without notice.

Xtra Money Market - Effective 04/24/08

Minimum Daily Balance to earn APY	RATE	APY*	Minimum Daily Balance to earn APY	RATE	APY*
$0-$2,499.99	.249%	.25%	$50,000.00-$74,999.99	2.57%	2.60%
$2,500.00-$9,999.99	.995%	1.00%	$75,000.00-$99,999.99	2.61%	2.65%
$10,000.00-$24,999.99	2.52%	2.55%	$100,000.00-$149,999.99	2.71%	2.75%
$25,000.00-$49,999.99	2.52%	2.55%	$150,000.00 or greater	2.76%	2.80%

*APY as of 04/24/08. $500 minimum deposit to open. For Xtra Money Market accounts, the Interest Rate

and Annual Percentage Yield may change at any time. Fees may reduce the earnings on the account.

Click Here to View Our Rate & Fee Schedule

CERTIFICATES OF DEPOSIT

AND TRADITIONAL AND IRA (REGULAR) CERTIFICATES OF DEPOSIT

EFFECTIVE - MAY 2, 2008

TERM	RATE	APY*	TERM	RATE	APY*
90 DAYS	1.98%	2.00%	13 MONTHS	2.67%	2.70%
6 MONTHS	2.71%	2.75%	18 MONTHS	2.77%	2.80%
7 MONTHS	2.71%	2.75%	2 YEARS	2.77%	2.80%
9 MONTHS	2.52%	2.55%	30 MONTHS	2.77%	2.80%
10 MONTHS	2.71%	2.75%	3 - 4 YEARS	3.15%	3.20%
1 YEAR	2.52%	2.55%	5 YEARS	3.44%	3.50%

*APY assumes interest remains on deposit and that withdrawal will reduce earnings. A penalty will be imposed for early withdrawal from a Certificate of Deposit Account. Minimum balance to open a Certificate of Deposit Account is $1,000.00. Minimum balance to open an IRA Certificate of Deposit is $500.00.

FIXED MORTGAGE RATES

HOME PURCHASE AND REFINANCING

EFFECTIVE 05/02/08

Description: 1 to 4 Family (Own Occ)
YEARS	RATE*	POINTS	APR	MONTHLY PAYMENT PER $10,000
10	5.375%*	0	5.445%	$107.91
10	5.125%*	1	5.413%	$106.68
10	4.875%*	2	5.381%	$105.46
15	5.375%*	0	5.424%	$81.05
15	5.125%*	1	5.327%	$79.74
15	4.875%*	2	5.229%	$78.43
20		0	Call for	Best Rate
20		1	Call for	Best Rate
20		2	Call for	Best Rate
30		0	Call for	Best Rate
30		1	Call for	Best Rate
30		2	Call for	Best Rate

*Rates as of 05/02/08 and subject to change without notice. Annual Percentage Rate (APR) based on a maximum loan-to-value (LTV) of 80%. Over 80% LTV will require borrower to pay Private Mortgage Insurance. Other programs up to 97% are available. 1- to 4-family owner-occupied properties only. Not available for homes currently for sale or intended to be sold. Adequate property insurance is required. Flood insurance may be required. Membership is required and satisfied with a minimum deposit of $25. Trust review fees may apply. Other rates and terms available. Consult a tax advisor about deductibility of interest. The Bump Down option may be exercised one time during the first twelve (12) months and requires a fee of $150. Bump Down option is available for a limited time. Other restrictions may apply, please call for details.

1/1 YEAR ARM 30 YEAR MORTGAGES

RATE	POINTS	APR	MONTHLY PAYMENT PER $10,000
5.500%	0	7.317%	12 payments @ $56.78 and 348 payments @ $69.62
5.250%	1	7.371%	12 payments @ $55.20 and 348 payments @ $67.91
5.000%	2	7.426%	12 payments @ $53.68 and 348 payments @ $66.22

3/1 YEAR ARM 30 YEAR MORTGAGES

RATE	POINTS	APR	MONTHLY PAYMENT PER $10,000
6.000%	0	7.473%	36 payments @ $59.96 and 324 payments @ $72.47
5.750%	1	7.488%	36 payments @ $58.36 and 324 payments @ $70.73
5.500%	2	7.504%	36 payments @ $56.78 and 324 payments @ $68.99

5/1 YEAR ARM 30 YEAR MORTGAGES

RATE	POINTS	APR	MONTHLY PAYMENT PER $10,000
6.500%	0	7.393%	60 payments @ $63.21 and 300 payments @ $72.25
6.250%	1	7.391%	60 payments @ $61.57 and 300 payments @ $72.04
6.000%	2	7.390%	60 payments @ $59.96 and 300 payments at $71.82

HOME EQUITY LINE OF CREDIT

EFFECTIVE 05/02/08

APR

95% FINANCING AVAILABLE

3.74%*

*Fixed for one year.

*Prime minus 1% thereafter

HOME EQUITY LOAN
EFFECTIVE 05/02/08

YEARS	APR	MONTHLY PAYMENT PER $1,000
3	5.24%*	$30.08
5	5.74%*	$19.22
7	5.99%*	$14.61
10	6.24%*	$11.23
15	6.49%*	$8.71
20	6.99%*	$7.75

DISCLOSURE - HOME EQUITY LINE OF CREDIT
Annual Percentage Rate (APR) subject to change. *Initial rate of 3.74% APR fixed for the first 12 months. Thereafter the interest is variable based on the Prime Rate as published in the Wall Street Journal 30 days before the date of any rate adjustment minus 1%. As of 05/02/08, Prime Rate was 5.25%, which would result in an APR of 4.25%. Lifetime interest rate cap of 21%. Offer available for owner-occupied 1-4 family residences only. New lines only. Other rates and terms available. Offer subject to change without notice. 95% financing available. Over 80% loan to value will require borrower to pay Private Mortgage Insurance (PMI). Membership is required and is satisfied with a minimum deposit of $25. Not available for homes currently for sale or intended to be sold. Property insurance is required. Flood insurance may be required. Trust review fees will apply. Early closure fee may apply. Other restrictions may apply. Consult a tax advisor about deductibility of interest.

DISCLOSURE - HOME EQUITY LOAN
Annual Percentage Rate (APR). Available on 1-4 family owner-occupied properties. *Over 80% loan to value will require borrower to pay Private Mortgage Insurance (PMI). Certain restrictions may apply. Property insurance is required. Flood insurance may be required. Trust review fees will apply.
*Interest rate will be determined by individual credit worthiness. Consult a tax advisor about deductibility of interest.

BUMP DOWN REFINANCE MORTGAGE
FIXED RATE, EFFECTIVE 05/02/08

YEARS	APR	MONTHLY PAYMENT PER $1,000
10	6.00%*	$11.11
15	6.25%*	$8.58
20	6.50%*	$7.46
25	6.50%*	$6.76

DISCLOSURE - BUMP DOWN REFINANCE MORTGAGE
*Program only available to borrowers refinancing an existing first

mortgage, or existing first and second mortgage. Annual Percentage Rate (APR) as of 05/02/08, based on a maximum loan-to-value of 95%, and subject to change without notice. Over 80% loan-to-value will require borrower to pay Private Mortgage Insurance. Interest rate will be determined by credit worthiness. 1-to 4 family owner-occupied properties only. Not available for homes currently for sale or intended to be sold. $500,000 maximum loan,
$25,000 minimum loan. Adequate property insurance is required. Flood insurance may be required. Membership is required and satisfied with a minimum deposit of $25. Trust review fees will apply. Early closure fee may apply. Consult a tax advisor about deductibility of interest. The Bump Down option may be exercised one time during the first twelve months and requires a fee of $150. Bump Down option is available for a limited time. Other restrictions may apply, please call for details.

PERSONAL LOANS
EFFECTIVE 05/02/08

TERMS	APR*	MONTHLY PAYMENT PER $1,000
12 months	9.99%*	$87.92
24 months	10.99%*	$46.61
36 months	10.99%*	$32.74
48 months	10.99%*	$25.85
60 months	12.49%*	$22.50

*The APRs listed above includes a .50%

discount with automatic payments from a Dexter Credit Union

checking account.

AUTO LOAN RATES
EFFECTIVE 05/02/08

DESCRIPTION	YEARS	APR	MONTHLY PAYMENT PER $1,000
New auto (100% finance)	2 - 5 years	5.24%*	$23.14 (based on 48 months)
New auto (100% finance)	2 - 5 years	5.49%*	$19.10 (based on 60 months)
New auto (90% finance)	2 - 5 years	4.99%*	$23.03 (based on 48 months)
New auto (90% finance)	2 - 5 years	4.99%*	$18.87 (based on 60 months)
Used auto (100% finance) 2005-2007	2 - 5 years	5.49%*	$23.26 (based on 48 months)

*The APRs listed above includes a .50%

discount with automatic payments from a Dexter Credit Union

checking account. Rates on new and used car financing may

vary depending on model year. Advertised rate is the lowest APR

available and is based on credit worthiness.

Annual Percentage Rate (APR)

All rates and terms subject to change without notice.
Interest rate will be determined by individual credit worthiness.