MINNEQUA WORKS CREDIT UNION
             
PROPOSED INTEREST RATES / TERM TABLES and LIMIT TABLES
               
SHARE SECURED - 100%          
             
ALL SHARE SECURED LOANS, IF APPROVED AND REGARDLESS OF    
SCORE, CAN BE WRITTEN FOR TERMS UP TO 72 MONTHS AT 5.75%    
             
HALF SHARES / HALF SIGNATURE:          
             
WILL BE GRANTED TO A+, A AND B APPLICANTS FOR TERMS UP TO 60 MONTHS AT 7.00%
             
CERTIFICATE SECURED LOANS:          
             
WILL BE WRITTEN AT 2.00% ABOVE THE DIVIDEND RATE PAID ON THE CERTIFICATE PLEDGED,
ROUNDED UP TO THE NEAREST .25 PERCENT, BUT NO LESS THAN 5.75%. MAXIMUM TERM  
IS THE LENGTH OF TIME REMAINING ON THE CERTIFICATE.      
             
             
EFFECTIVE     7/1/2007     UP TO PUBLISHED RETAIL VALUE:  
        LOAN TO VALUE LEVELS      
Grade Credit Score Levels   24-66 MO'S   72 MO'S 84 MO'S
 A+ 730 AND ABOVE   125%   125% 125%
 A  680 - 729     125%   125% 100%
B 650 - 679     125%   100% 80%
C 610 - 649     90%   80% NA
D 550 - 609     80%   NA NA
E BELOW 550     70%   NA NA
             
Vehicles Auto, Truck, Motorcycle, MH's, Trailers        
  2004 Throuh Current Model Year UP TO PUBLISHED RETAIL VALUE:  
Terms/Repayment Period (months)
Grade 36 48 60 66 72  20K+ 84  30K+  
 A+ 6.05% 6.35% 6.45% 6.60% 7.05% 7.55%  
 A  6.25% 6.55% 6.65% 6.80% 7.25% 7.75%  
B 7.29% 7.79% 7.89% 8.04% 8.49% 8.99%  
C 9.50% 9.80% 9.90% 10.05% NA NA  
D 14.00% 14.00% 14.25% 14.50% NA NA  
E 18.00% 18.00% 18.25% 18.50% NA NA  
             
Vehicles (USED) Auto, Truck, Motorcycle, MH's, Trailers        
  1999 Through 2003 Models   UP TO PUBLISHED RETAIL VALUE:  
Terms/Repayment Period (months)
Grade 36 48 60 66 72       MAXIMUM TERM
 A+ 6.55% 6.85% 6.95% 7.10% 7.55% 2001 72
 A  6.75% 7.05% 7.15% 7.30% 7.75% 2000 66
B 8.09% 8.39% 8.49% 8.54% 8.99% 1999 60
C 10.10% 10.40% 10.50% NA   1998 60
D 15.25% 15.25% 16.00% NA   1997 48
E 19.00% 21.00% NA NA      
             
Other RV's, Dirt Bikes, ATV's, Jet Ski's, Snowmobiles, Boats      
        UP TO PUBLISHED RETAIL VALUE:  
Terms/Repayment Period (months)
Grade 24 36 48 60      
 A+ 7.25% 7.50% 7.75% 8.00%      
 A  7.50% 7.75% 8.00% 8.25%      
B 8.50% 8.75% 9.25% 9.50%      
C 10.75% 11.00% 11.50% 12.00%      
D 15.00% 15.50% 16.00% NA      
E 19.00% 21.00% NA NA