PEORIA HIWAY CREDIT UNION

LOAN RATES EFFECTIVE- MARCH 24, 2006

        TYPE LOANTERM   AUTOMATICCASH

     PAY

NEW VEHICLE**   1-72 MONTHS      6.50% 7.00%

OR ONE YEAR OLD***

USED VEHICLE** 1-60 MONTHS       7.50% 8.00%      

SHARE SECURED       1-48 MONTHS      4.00% OVER THE PREVIOUS QUARTER'S DIVIDEND PAID 

                                                                            ON THE SHARE ACCOUNT(S) BEING USED AS SECURITY

PERSONAL, SECURED*1-48 MONTHS12.00%12.50%

PERSONAL, UNSECURED*   1-48 MONTHS15.50%16.00%

UNSECURED open-end*      N/A           13.50%       14.00%

PAYDAY LOANS*   3 MONTHS     20.00%       20.00%      

*RATES ON PERSONAL UNSECURED AND SECURED ARE IN EFFECT UNTIL FURTHER NOTICE. 

OPEN-END LOANS AND UNSECURED LOANS CANNOT TOTAL OVER $6,000.00

**RATES ON VEHICLES ARE IN EFFECT UNTIL FURTHER NOTICE

*PAYDAY LOANS ARE SUBJECT TO CERTAIN CONDITIONS AND GUIDELINES

TRAILERS/MOTOR COACHES/MOTORCYCLES INTEREST RATE IS 12.00%/12.50% w/o payroll deduct

NOTES:  (all secured loan rates assume 10% equity in vehicle and automatic payments} **      (new rate only applies if vehicle has never been titled)***

1 - or N.A.D.A. Book Retail Value at the time of the sale, whichever is less

2 - or N.A.D.A. Loan Value if securing personal loan with title

3 MAXIMUM TERM:(Personal Loans)

      - up to, and including, $6000   -----------------   1 - 48 months

Automatic payment: Payment made through state payroll deduction or through

automatic transfer from shares to loan on the last business day of each month.  If by automatic transfer,

one full payment must be maintained in the share account at all times.

NOTICE:  A late payment fee of $20.00 will be assessed each time a payment is more than 10 days late.