Straight tO thE POiNt

CREDIT UNIONS:

CREDIT UNIONS ARE THE BEST OPTION FOR CONSUMERS TO CONDUCT THEIR

FINANCIAL SERVICES

Members save big at credit unions because they have consumer-friendly pricing.

Ê Member owned Ê Not-for-Profit Ê Locally run Ê Earnings returned to members in the form of lower interest on loans & higher interest earned

Ê Consumer-friendly pricing Ê Money stays in the community

THE BENEFITS OF USING A CREDIT UNION:

New Car: $30,000/5-Yr term

Source: CUNA & Informa Research Services. Annual savings calculated as the difference in total annual payments using interest rate averages at each type of institution. Data as of 12/14/10

Consumers Save Big At Credit Unions Average Annual Savings on Credit Union Loan Products

Compared to Identical Products at Banking Institutions

$276.81

$129.00

$180.95

$73.28

$31.34

Used Car: $20,000/4-Yr term

Platinum Credit Card: $10,000

Home Equity: $50,000/80% LTV/

15-Yr Term

Unsecured Personal Loan: $5,000/4-Yr.

Term

Banks

Credit Unions

5-Yr New AutoReward Credit Cards Home Equity 15 Yr

Source: Informa Research Services. Data as of Dec. 14, 2010

Credit Unions: Consumer Friendly Pricing Loan Interest Rate Averages

6.90%

6.05%5.89%

4.39%

4.27%

12.01%

4-Yr Used Auto

10.94%

6.68%

10.23%

12.25%

48 Month Personal

Credit unions were there to help consumers during the financial crisis.

CREDIT UNIONS: A WHOLE NEW WAY TO 'BANK'

Ê Financially safe & sound Ê History of careful lending Ê Continued to serve their communities and lend money when other financial institutions would not

Ê Reflect strong capital ratios Ê Economically sound

Banks

Credit Unions

Real Estate Loans Business Loans Total Loans

Source: FDIC, NCUA & CUNA E&S

Credit Unions Have Continued to Serve Borrowers As Other Lenders Pulled Back

Growth Since Beginning of Recession: 12/07 to 9/10

-10.0%

-18.4%

-6.5%

14.4%

39.2%

7.6%

Banks

Credit Unions

Mortgage Loans

Business Loans

Total Loans

Source: FDIC, NCUA & CUNA E&S

Credit Unions Are Careful Lenders Annualized Loan Losses as of September 2010

1.83%

0.64%

1.15%

0.65%

1.76%

2.59%

Consumer Loans

1.92%

6.42%

4 'BANK' SMARTER!

Membership - Nearly 92 million U.S. consumers are member-owners of, and receive all or part of their financial services from the nation's 7,598 credit unions.

Consumers trust credit unions because they know credit unions are the real deal!

Structure - Credit unions are democratically owned and controlled institutions that have no outside stock-holders. After reserves are set aside, earnings are returned to members in the form of dividends on sav-ings, lower loan rates and fees, or additional services.

Credit Unions are insured - Consumer deposits at nearly all credit unions are federally insured by NCUA and credit unions have their own share-insurance fund.