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Dyersburg Credit Union
230 Community Park Rd.
Dyersburg, TN 38024

Phone: 731-286-0152
Toll-Fee: 1-888-311-3281
Fax: 731-286-4183

Mailing Address:
P.O. Box 506
Dyersburg, TN 38025-0506

To Report Lost or
Stolen VISA Debit Card:
1-800-528-2273

To Report Lost or
Stolen VISA Credit Card:
1-800-325-3678

Savings Rates Share Certificates Loan Rates Member Fees

Dividend Rates

Savings Rates

Rates as of 6/30/08

Savings Account Balance	Nominal	APY*
$0.00 – $100.00	0
$100.01 – $2,499.99	.40%	.40%
$2,500.00 – $4,999.99	.60%	.60%
$5,000.00 – $9,999.99	.70%	.70%
$10,000.00 – up	.90%	.90%
Account Type	Nominal	APY*
Sharedraft Account	.40% - determined monthly
Club Accounts	1.50%	1.51%

Share Certificate Rates

Rates as of 7/29/08

Term	APY*
3 Months	2.15%
6 Months	2.45%
12 Months	2.60%
18 Months	2.65%
24 Months	2.95%
36 Months	3.00%
60 Months	3.25%

Call for current rates.
APY= Annual Percentage Yield

Loan Rates

Rates as of 2/11/08

Description	Approx. Term	Daily Periodic Rate	APR
New Car & Truck - 100% financing	48 Months	0.01501% - 0.04384%	5.50% - 16.00%
	60 Months	0.01507% - 0.04247%	5.75% - 15.50%
	72 Months	0.01644% - 0.02371%	6.00% - 9.75%
80% financing		0.01370% - 0.04247%	5.00% - 15.50%
Used Car & Truck	48 Months	0.01712% - 0.04795%	6.25% - 17.50%
	60 Months	0.01918% - 0.04315%	6.50% - 18.00%
	72 Months	0.01918% - 0.02466%	7.00% - 9.00%
Other Secured	48 months	0.01918% - 0.04315%	7.00% - 18.00%
Other Secured	60 months	0.02055% - 0.03973%	7.50% - 14.50%
Share Secured		.019178%	7.00%
Single Pay Loan	6 Months	.049315%	18.00%
Personal		.024658% - .049315%	9.00% - 18.00%
Share Overdraft Protection Credit Limit: Monthly Payment: $50-250 $25 $300-500 $50 $550-750 $75 $800-1,000 $100		.024658% - .049315%	9.00% - 18.00%
Stock Secured Loan 75% of stock value with maximum of $30,000.If value drops below loan balance, member must provide additional collateral.	60 Months	.019178%	7.00%

Certificate Secured: The ANNUAL PERCENTAGE RATE (APR) will be the dividend rate being paid on the Certificate offered as security (Index) plus 2%. The Certificate must be renewed until the advance is completely paid. Failure to renew will result in default under the Plan. When the certificate is renewed the APR will change to reflect the new dividend rate. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid. The present Annual Percentage Rate will be disclosed on the voucher at the time of the advance.

Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. Please ask us for the initial rate that you qualify for.

Minimum Monthly Payment: Your payment will be disclosed at time of advance. However it will never be less than $25.

Filing Fee: You will be charged a lien filing fee at the time of an advance if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain a lien on your property.

Late Charges: 5% of monthly loan payment on every loan one or more days past due. Minimum $10 Maximum $100

Collection Costs: You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.

Loan rates and terms may vary based on credit history and are subject to change. For additional information call the Credit Union at (731) 286-0152.

Member Fees

Effective 8/15/08

The following fees and charges may be assessed against your account:

Service	Fee/Charge
Statement Copies	$5 per statement
Returned Statement/Incorrect Address	$5 per statement
Outgoing Wire Transfers	$12 per transfer
Incoming Wire Transfers	$5 per transfer
Copy of Draft	$5 per draft
Excessive share withdrawal	$5 per item (After 2 per month)
Cashier’s Checks/Money Orders	$2 per check
Stop Payment Order	$20 per order
Share Draft Reconciliation	$20 per hour
Research Fee	$20 per hour
NSF-Returned Item Fee	$30 per item
Draft Printing Fee	Varies depending on style of drafts ordered
Items Sent for Collection	$20 per item
Deposited item returned	$20 per item
Teller’s Check Stop Payment Fee	$25 per item
Christmas and Vacation Club Additional withdrawal	$25 per item
Par Value of One Share	$5
Membership fee	$5
Courtesy Pay Privilege	$30 per item
Reopening Due to Negative History Balance	$10 each

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