CD/IRA Rates 

05/21/2013

	Annual Percentage Yield (APY)	Interest Rate	Minimum to Earn Interest	Open Account
91 Day Certificate*	0.15%	0.15%	$500	$500
182 Day Certificate*	0.20%	0.20%	$500	$500
10 Month Certificate* (special)	0.30%	0.30%	$500	$500
12 Month Certificate*	0.35%	0.35%	$500	$500
18 Month Certificate*	0.40%	0.40%	$500	$500
20 Month Certificate* (special)	0.60%	0.60%	$500	$500
24 Month Certificate*	0.50%	0.50%	$500	$500
30 Month Certificate*	0.55%	0.55%	$500	$500
36 Month Certificate*	0.70%	0.70%	$500	$500
48 Month Certificate*	1.10%	1.10%	$500	$500
60 Month Certificate*	1.25%	1.25%	$500	$500
90 Month Certificate*	1.25%	1.25%	$500	$500
12 Month IRA*	0.55%	0.55%	$100	$100
36 Month Trade-A-Rate IRA*	0.95%	0.95%	$100	$100
60 Month IRA*	1.25%	1.25%	$100	$100

05/20/2013

Fixed Rate	Interest Rate	APR	Monthly Payment	Est Closing Costs
10 Year Interest Rate	2.625%	2.682%	948.39	Please call 812-537-4822 or 800-474-7845 for Closing Costs.
15 Year Interest Rate	2.750%	2.825%	$678.62	Please call 812-537-4822 or 800-474-7845 for Closing Costs.
20 Year Interest Rate	3.500%	3.560%	$579.96	Please call 812-537-4822 or 800-474-7845 for Closing Costs.
30 Year Interest Rate	3.625%	3.668%	$456.05	Please call 812-537-4822 or 800-474-7845 for Closing Costs.
Maximum Loan $417,000.00 - Fixed Rates

Maximum LTV 100%. All LTV exceeding 80% may require PMI.

*APR (Annual Percentage Rate) and payment are based on the maximum loan term, using $100,000 loan amount and points when applicable. Repayment will be monthly principal and interest payments in arrears. Percentage of down payment is based on lower of sale price or appraised minus percent borrowed. All APR's are figured on 80% LTV. All adjustable rates are subject to adjust as indicated below.

United Community Bank's adjustable rate loans feature an interest rate that may change during the life of the loan. Our extensive variety of adjustable rate loan products include:

1 year ARM The rate on this loan may change from year to year. 3 year ARM The rate on a 3 year Adjustable is locked for the first 3 years and then may change every three years thereafter. 5/1 year ARM The rate on this loan is locked for the first 5 years and then may change every year thereafter. 7/1 year ARM The rate on this loan is locked for the first 7 years and then may change every year thereafter.

For additonal rates on single family owner occupied, and other loan products, please contact one of our Mortgage Lending Consultants for assistance.

Consumer Loan Information

United Community Bank has a variety of loans to meet your everyday needs just like the "Big Banks". We pride ourselves as a "community" bank and if you ever have a question regarding your loan, you have someone locally to talk to.

AUTO LOAN RATES

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HOME EQUITY LOANS

Each type of loan has different interest rates, terms, and conditions. At United Community Bank, we still believe in "Good Customer Care". We have not lost sight of the personal touch. We would like to talk to you on an individual basis about your loan questions and concerns. Please call one of our loan specialist at (812) 537-4822 ext. 490 or 1-800-474-7845 ext. 490, about our current interest rates and terms. We will be happy to talk to you personally about your loan request.

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