Because we realize that our Members have different needs, RECU is offering two different loan products at this special rate of 4.99%:

Home Equity Loan: A fixed-rate loan in which all funds are distributed in one lump sum. Based on the term you choose, payments are the same each month allowing for an easy way to budget.

Home Improvement Loan: A fixed-rate loan for homeowners who have limited to no equity and need to make home repairs or improvements. You will receive the funds in one lump sum, and monthly payments are consistent throughout the life of the loan.

APPLY TODAY!

Life is busy, so we make the applicationi process easy and convenient.

• Call: Contact one of our Financial Service Representatives at (952) 930-0700 or (800) 752-3494 and we would be happy to assist you.
• Click: Apply online by Clicking Here
• Visit: Stop by our convenient St. Louis Park or West St. Paul branches and speak with us in person.

Remember- this great rate of 4.99% expires on May 31, 2008!

*APR=Annual Percentage Rate. All loans subject to credit approval. Your rate may vary and is based on credit history. RECU will pay for all closing costs, except for costs associated with an appraisal. The average appraisal cost is between $150-$400, but actual costs may vary and will be the responsibility of the Member. Home Equity loans may only be written for homes in MN and WI. Contact your financial advisor about the deductibility of home loan interest. Loan rates apply to new loans and are not intended for the refinancing of existing RECU loans. Home Equity loans that are paid off witin the first year will be charged an early payoff penalty. Additional loan rates and terms are available. Rates and terms are subject to change. Offer ends May 31, 2008.