APR = Annual Percentage Rate.
APY = Annual Percentage Yield.

*Second Chance Mortgages — Rates good through 2/5/12. 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 3.625% for 180 months = $7.21. Payment per $1,000 at 4.375% for 360 months = $4.99. No refinances of CFCU loans allowed. Manufactured homes may be approved by exception only.

**First Choice Commercial Mortgages — Rates good through 2/14/12. Rate determined by credit criteria and qualified discounts. To earn this special rate, you must have and maintain a Premiere Business Checking account The account must be active at least 15 days prior to loan closing. Auto pay from your CFCU account is also required. 80% maximum loan to value. $500 nonrefundable application fee for loans up to $100,000, $1,000 for loans $100,000–$300,000, $2,000 for loans over $300,000. Payment per $1,000 at 6.00% for 180 months = $8.44. Rate subject to change. Signed lock-in required to guarantee rate cost $1,000 non refundable/may be applied to closing costs. Member pays all closing costs.

***Second Chance Commercial Mortgages — Rates good through 2/14/12. Credit requirements apply. To earn this special rate, you must have and maintain a Premiere Business Checking account The account must be active at least 15 days prior to loan closing. Auto pay from your CFCU account is also required. Five-year recapture on all closing costs paid by CFCU. 70% maximum loan to value. $750 nonrefundable application fee for residential rental properties, or $1,500 nonrefundable for commercial buildings. $1,000 rate lock-in fee (refunded at closing). Payment per $1,000 at 5.00% for 144 months = $9.25. No refinances of CFCU loans allowed. Must be closed by CFCU attorney. Note: CFCU will pay the cost associated on the first $250,000, excluding environmental phase 1 or 2, and filing fees on mortgages that exceed $250,000.

†Signature (Personal) Loans — Will vary based on Credit Bureau Score. Rates are good through 2/29/12 and require Auto Pay, subject to change thereafter. Payment per $1,000 @ 6.65% for 12 months is $86.36.

‡Home Equity Special — Rates good through 2/29/12. No closing costs with 3-year recapture, 85% maximum loan-to-value, owner-occupied only. Payment per $1,000 at 3.9% for 60 months = $18.38. Payment per $1,000 at 4.9% for 120 months = $10.56. No refinancing of CFCU loans allowed. You must have or open a Premiere Checking account with auto pay. Regarding tax deductibility of interest, please consult your tax adviser for details.

&Auto Loans — Rate determined by credit criteria and qualified discounts. Other rates and terms are available up to 84 months. Payment per $1,000 at 3.99% APR for 60 months is $18.42. Rate subject to change or termination without notice.

¶Certificates — APYs shown here are subject to change without notice. APY assumes dividends will remain on deposit. Withdrawal of dividends and/or fees may reduce earnings.

All loans are subject to approval. The Credit Union reviews every loan application to ensure fairness and compliance to CFCU policy.