* Second Chance Mortgages — APR=Annual Percentage Rate. Rates good through 8-1-10. To earn the special rate, you must have or open a Premiere Checking account with autopay. Rate without Premiere Checking is market interest rate. No closing costs with 3-year recapture. Please contact the Credit Union to obtain a list of closing costs that are covered by this promotion. 80% maximum loan-to-value for refinances; 90% maximum loan-to-value for purchases. Loans made based on the lower of purchase price or appraised value of property to be mortgaged. $500 application fee refunded at closing, single-family, owner-occupied residential properties only. Payment per $1,000 at 4.25% for 180 months = $7.52. Payment per $1,000 at 4.99% for 360 months = $5.36. No refinances of CFCU loans allowed. Manufactured homes may be approved by exception only.

** Summer Auto Loan Special — APR=Annual Percentage Rate. Rates good through 8-31-10. To earn the special rate, you must have a 700 minimum credit score, have or open a Premiere Checking account with autopay and an existing mortgage or home equity with a minimum balance of $25,000. Payment per $1,000 at 4.90% for 66 months = $17.32. 100% loan-to-value. No refinances of CFCU loans allowed.

† Visa Balance Transfer— APR=Annual Percentage Rate. 9.79% Annual Percentage Rate is good for the life of the transfer from another credit card only. Balance transfer will be treated as cash advances according to the terms set forth in the CFCU VISA Credit Card Agreement. All other terms of the CFCU VISA Agreement continue to apply. To earn special rate, you must have or open a Premiere Checking account with autopay. Offer expires 12-31-10.

‡ Certificates — APY=Annual Percentage Yield. APYs shown here are available through 7-31-10. To earn special rate, you must have or open a Premiere Checking account. APY assumes dividends will remain on deposit. Withdrawal of dividends and/or fees may reduce earnings.

The Credit Union reviews every loan application to ensure fairness and compliance to CFCU policy.