Stanford FCU Rates

Deposits (March 18, 2009)

Wed, 18 Mar 2009 07:00:00 GMT

Account Descriptions	Dividend Rate	Annual Percentage Yield (APY)
Share (Savings) Account The Savings Account is one of the basic financial services the Credit Union offers. A minimum daily balance of $50.00 and over earns dividends and avoids service charges.	.75%	.7530%
Stanford Savers Account The Savings Account for children 12 and under. $1.00 minimum to open, no fees, and includes a children's start up kit.	.75%	.7530%
Premier Checking Our ultimate checking account! The premier benefits of this dividend-bearing account include unlimited free use of non-SFCU ATMs; free electronic Bill Payer; two free boxes of checks per year; special fee waivers and reductions; and a loan rate discount and certificate rate bonus! It is available without a monthly fee to members who maintain a combined share and loan balance of $35,000. $22 monthly charge, if daily balance falls below minimums requirement.	0.75%	0.7530%
Advantage Checking A luxury account with great advantages: higher dividends; up to four reimbursements of non-SFCU ATM transaction fees per month; unlimited checks and QUAD Card (Visa Debit) access, and free use of SFCU’s many online wireless services. All with no monthly charge, providing $20,000 is maintained in a combination of all your SFCU share and loan accounts. $15 monthly charge, if daily balances fall below minimum requirement.	0.50%	0.501%
Cardinal Plus Checking Great features include: unlimited check and QUAD Card (Visa Debit) access; free use of SFCU’s many online wireless services; and dividends! Account is free with a minimum checking balance of $2,000 or a combine share and loan balance over $7,500. $12 monthly charge (or $10 with direct deposit), if daily balances fall below minimum requirement.	0.25%	0.25%
Cardinal Checking Our most versatile checking account: It allows for unlimited check writing and free use of the QUAD Card (Visa Debit), CUOnline, POS transactions, FAS-TELL, eStatements and more. $8 per month service fee (or $6 with direct deposite)	N/A	N/A
Campus Checking A super account, designed for student. Unlimited check and plastic card access; unlimited use of SFCU ATMs, and up to two reimbursements of non-SFCU ATM transaction fees; also, each student is given free overdraft protection to a $1,000 VISA credit card (subject to credit approval). $5 per month service fee	N/A	N/A
eChecking A unique checking account that rewards members for theirs exclusive use of SFCU's electronic banking services, while still provide the customary benefit of unlimited check writing. Special features include free electronic Bill Payer. You also get four non-SFCU ATM fee reimbursements in any month that your direct is $200* or more.	N/A	N/A
Holiday Account This may be the perfect way to save for holiday expanses. Though payroll deduction or regular deposits, you can save systematically and painlessly. A minimum daily balance of $50 and over earns dividends	.75%	.7530%
Individual Retirement Account (IRA) Share No minimum balance is required. Dividends are paid monthly. Contributions may be made in a "lump sum" or by regular deposits throughout the year. Dividends earned can be tax- deferred. Please contact your tax advisor for specific tax information.	1.250%	1.257%
Health Savings Account (HSA) Enrolled in a High Deductible Health Plan? Open your HSA today! No minimum balance is required. Dividends are paid monthly. Contributions may be made in a “lump sum” or by regular deposits with payroll deduction. Dividends earned can be tax- deferred. HSA Eligible Health Insurance or HDHP required to open an account. Please contact your tax advisor for specific tax information.	4.750%	4.855%
Premier Market Savings Account (PMSA) Move your deposit from other financial institutions into the Premier Market Savings Account (PMSA). The minimum balance is $25,000. The maximum balance is $2,500,000. Withdraw funds as often as you like without penalty. Balances under $25,000 will revert to a rate of 0.75%. SFCU promotional or rate bonus programs do not apply to the PMSA.	Rates located below
Money Management Account (MMA) With the Money Management Account (MMA), you will earn higher yields with higher deposits. The MMA is a safe investment that keeps your money liquid. A minimum daily balance of $2,500 earns dividends and avoids service charges.	Rates located below

Premier Market Savings Account (PMSA)

Account Balance	Dividend Rate	Annual Percentage Yield
$50 - $2,499	.750%	.753% APY
$2,500 - $9,999	.750%	.753% APY
$10,000 - $24,999	.750%	.753% APY
$25,000 - $49,999	1.800%	1.815% APY
$50,000 and over	1.850%	1.866% APY

Money Management Account Rates

Account Balance	Dividend Rate	Annual Percentage Yield
$50 - $2,499	0.000%	0.000%
$2,500 - $9,999	1.600%	1.612% APY
$10,000 - $24,999	1.650%	1.663% APY
$25,000 - $49,999	1.700%	1.713% APY
$50,000 and over	1.750%	1.764% APY

The above rates are as of the last SFCU dividend declaration date.

* eStudent checking accounts do not require Direct Deposit for non-SFCU ATM fee reimbursement.

Certificates (March 3, 2009)

Tue, 03 Mar 2009 08:00:00 GMT

Account Descriptions	Dividend Rate	Annual Percentage Yield (APY)
Regular and IRA/Share Certificates IRA/Share Certificates are available at very competitive market rates. Higher deposits and longer terms earn higher dividends!	Rates located below
Step Up Regular and IRA/Share Certificates Step Up IRA/Share certificates are available at very competitive market rates. Higher deposits and longer terms earn higher dividends with one time opportunity to step up the rate.	Rates located below

Share Certificates Rates (1, 2, 3, 4, 5, 6, 9)

Term	$1,000-$9,999		$10,000-$24,999		$25,000-$49,999		$50,000-$99,999		>$100,000
Term	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield
3 months	1.700%	1.713%	1.750%	1.764%	1.800%	1.815%	1.850%	1.866%	1.950%	1.968%
6 months	1.950%	1.968%	2.000%	2.018%	2.050%	2.069%	2.100%	2.120%	2.200%	2.222%
12 months	2.200%	2.222%	2.250%	2.273%	2.300%	2.324%	2.350%	2.375%	2.450%	2.478%
18 months	2.250%	2.273%	2.300%	2.324%	2.350%	2.375%	2.400%	2.427%	2.500%	2.529%
24 months	2.300%	2.324%	2.350%	2.375%	2.400%	2.427%	2.450%	2.478%	2.550%	2.580%
36 months	2.700%	2.734%	2.750%	2.785%	2.800%	2.836%	2.850%	2.888%	2.950%	2.990%
48 months	3.000%	3.042%	3.050%	3.093%	3.100%	3.144%	3.150%	3.196%	3.250%	3.299%
60 months	3.100%	3.144%	3.150%	3.196%	3.200%	3.247%	3.250%	3.299%	3.350%	3.402%

IRA Share Certificates (1, 2, 3, 4, 5, 6, 9)

Term	$1,000-$9,999		$10,000-$24,999		$25,000-$49,999		$50,000-$99,999		>$100,000
Term	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield
12 months	2.400%	2.427%	2.450%	2.478%	2.500%	2.529%	2.550%	2.580%	2.650%	2.682%
18 months	2.450%	2.478%	2.500%	2.529%	2.550%	2.580%	2.600%	2.631%	2.700%	2.734%
24 months	2.500%	2.529%	2.550%	2.580%	2.600%	2.631%	2.650%	2.682%	2.950%	2.990%
36 months	2.900%	2.939%	2.950%	2.990%	3.000%	3.042%	3.050%	3.093%	3.350%	3.402%

Liquid Share Certificate (1, 2, 3, 6, 10)

Term	$1,000-$9,999		$10,000-$24,999		$25,000-$49,999		$50,000-$99,999		>$100,000
Term	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield
7 months	NA	NA	1.950%	1.968%	1.950%	1.968%	1.950%	1.968%	1.950%	1.968%

Step Up Certificates (1, 4, 5, 6, 7, 8, 9)

Term	$1,000-$9,999		$10,000-$24,999		$25,000-$49,999		$50,000-$99,999		>$100,000
Term	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield
25 months	2.000%	2.018%	2.100%	2.120%	2.100%	2.120%	2.150%	2.171%	2.250%	2.273%

IRA Step Up Certificates (1, 4, 5, 6, 7, 8, 9)

Term	$1,000-$9,999		$10,000-$24,999		$25,000-$49,999		$50,000-$99,999		>$100,000
Term	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield
25 months	2.200%	2.222%	2.250%	2.273%	2.300%	2.324%	2.350%	2.375%	2.650%	2.682%

Term & Conditions:

The certificate rates presented here are accurate as of the above date. Current rates may be obtained by calling us at (650) 723-2509, toll free (888) 723-7328 or by visiting our website at www.sfcu.org.
The rate in effect at the time of purchase is the rate you will be paid for the entire term of the Certificate. The Annual Percentage Yield (APY) assumes dividends will remain on deposit until maturity. A withdrawal will reduce your earnings.
No addititonal deposits are permitted to a Share Certificate once it is opened, unless otherwise disclosed.
Any reduction of the principal amount below the minimum principal tier for the rate established at Certificate origination will terminate the Certificate. We may impose the following penalties for early withdrawal of a Certificate. The penalty for Certificate of initial term less than one year will be equal to ninety (90) days of dividends. The penalty for Certificates of one year or greater will be equal to one hundred eighty (180) days of dividends.
The penalty may be deducted from either dividends or principal.
This Certificate is non-negotiable and non-transferable.
The Interest Rate and Annual Percentage Yield (APY) are fixed for the term of the Certificate, except that the member may elect an interest rate change one time during the term of the Certificate to the rate in effect at the time the election is made for like certificates offered by the Credit Union. This disclosed APY assumes that interest remains on deposit until Maturity. Interest is paid on the basis of the daily balance in the certificate account, and is based upon a daily periodic rate which corresponds to the stated annual interest rate. Interest is paid from the Credit Union's available earnings after required transfers to reserves on a monthly basis and at Maturity. Interest compounds monthly.
Additional deposits may be added to the Certificate balance at any time prior to Maturity, and will earn interest/dividends from the date of deposit. Additional deposits become part of the principal and are subject to early withdrawal penalty described above if withdrawn prior to the Maturity Date.
You will be given notice of the Maturity Date thirty (30) days in advance. The Certificate will renew automatically at Maturity for a like term. The Interest Rate and Annual Percentage Yield on the renewal certificate will be the rate then in effect for like Certificate. A grace period for withdrawal after automatic renewal of seven (7) days will apply. Thereafter, withdrawals of principal balance on the renewed Certificate will again be subject to an early withdrawal penalty until the Maturity Date.
You will be given notice of the Maturity Date thirty (30) days in advance. The Certificate will renew automatically at Maturity for a like term. The Interest Rate and Annual Percentage Yield on the renewal certificate will be the rate then in effect for like Certificate. Any reduction of the principal amount below the $10,000 minimum will terminate the Liquid Share Certificate and incur an Early Closing Fee of $100. Penalty free withdrawals until $10,000 minimum balance.

Loans (March 1, 2009)

Sun, 01 Mar 2009 08:00:00 GMT

Account Type	Maximum Term	Fixed Rates (As low as)		Variable Rates (As low as)
Account Type	Maximum Term	Annual Percentage Rate	Daily Periodic Rate	Annual Percentage Rate	Daily Periodic Rate
Also Available Guaranteed Student Loans Business Loans 1st Mortgages Mobile Home Loans Second Trust Deeds Home Equity Lines
Line of Credit	Revolving	N/A	N/A	12.00 % **	.032877%
Unsecured	60 Months	12.00 % **	.032877%	N/A	N/A
Share Secured	See "NOTES" For Rate & Term Information			N/A	N/A
Certificate Secured	See "NOTES" For Rate & Term Information			N/A	N/A
New Auto	*** 84 Months	5.75% **	.015753%	N/A	N/A
Used Auto	*** 84 Months	5.75% **	.015753%	N/A	N/A
Classic Auto	*** 48 Months	7.00% **	.019178%	N/A	N/A
New RV	*** 144 Months	7.50% **	.020548%	N/A	N/A
Used RV	*** 144 Months	7.50% **	.020548%	N/A	N/A
New & Used Motorcycle	*** 72 Months	7.50% **	.020548%	N/A	N/A
New Boat	*** 120 Months	7.50% **	.020548%	N/A	N/A
Used Boat	*** 120 Months	7.50% **	.020548%	N/A	N/A
Marine Boat	*** 144 Months	7.50% **	.020548%	N/A	N/A

Visa Card Information

Annual Percentage Rate for Purchase

Variable Rate Information

Grace Period for Repayment of Balances of Purchases

Annual Fee

Method of computing the balance of purchases:
Average Daily Balance Including New Purchases

Transaction Fee for Cash Advances and Fees for Paying Late or Exceeding the Credit Limit

OVERLIMIT FEE	$25.00 ALL PRODUCTS
LATE FEE	$25.00 ALL PRODUCTS
CASH ADVANCE FEE	2%-MIN $15.00-MAXIMUM $300.00-ALL PRODUCTS

Platinum Visa

9.99%
Corresponding to a daily period rate of ..027370

Fixed Rate

25 Days

None

Classic Visa

13.99%
Corresponding to a daily period rate of .038329

Fixed Rate

25 Days

None

Student Visa

13.99%
Corresponding to a daily period rate of .038329

Fixed Rate

25 Days

None

Secure Visa

13.99%
Corresponding to a daily period rate of .038329

Fixed Rate

None

Lines of Credit Advances

Minimum Monthly Payment Schedule
The monthly payment for Line of Credit advances is based on my loan balance as of my most recent advance and will change each time I make an advance.

Loan Balance Up To	Minimum Monthly Payment	Loan Balance Up To	Minimum Monthly Payment
$700.00	$20.00	$16,700.00	$584.50
$2,300.00	$80.50	$18,300.00	$640.50
$3,900.00	$136.50	$19,900.00	$696.50
$5,500.00	$192.50	$21,500.00	$725.50
$7,100.00	$248.50	$23,100.00	$808.50
$8,700.00	$304.50	$24,700.00	$864.50
$10,300.00	$360.50	$26,300.00	$920.50
$11,900.00	$416.50	$27,900.00	$976.50
$13,500.00	$472.50	$29,500.00	$1,032.50
$15,100.00	$528.50	$30,000.00	$1,050.50

Notes:

(1) Rate:

The rate for this product is determined by: Applicant’s credit, payment history, amount of credit, payment method, and collateral as applicable. The rate reflects discount of .50% ANNUAL PERCENTAGE RATE (APR) (0.001370% daily periodic rate) for all loans except Personal Line of Credit,Share/Certificate secured or 1.00% APR (0.002740% daily periodic rate) for Personal Lines of Credit. Reduced rate applies with automatic transfer payment from Stanford Federal Credit Union (SFCU) account into which a Regular Periodic Electronic Deposit is made equal to or greater than the Payment amount or payment via ACH (SFCU originating or receiving). If you fail to maintain the service which qualifies you for a special loan rate or if you are in default on any loan you have with the us, we may, at our option, change the rate charged on all loans pursuant to the Open End Plan agreement to the greater of the non-reduced rate in effect when the loan was made or the non-reduced rate in effect on the date the qualifier service for each loan was terminated. When the rate increases in this fashion, it has the effect of increasing the number of payments required to pay the balance in full. Your actual rate may vary.

(2) Terms:

New Auto

48 months or less if financing under $10,000; 60 months or less if financing $10,000 or more; 72 months or less if financing $15,000 or more; 84 months or less if financing $25,000 or more.

Used Auto

48 months or less if financing under $10,000; 60 months or less if financing $10,000 or more; 72 months or less if financing $15,000 or more; 84 months or less if financing $25,000 or more.

Note:: Used Auto = Vehicles 10 years or newer with less than 100K miles,; Classic Auto = Vehicles 20 years or older (minimum amount financed $15,000); Vehicles 11 to 19 years old considered as Non-Conforming Older Auto (Rate is based on unsecured loan rate).

Motorcycle New & Used

36 months or less if financing under $5,000; 48 months or less if financing under $10,000; 60 months or less if financing under $15,000: 72 months or less if financing $15,000 or more.

New & Used RV

60 months or less if financing under $10,000; 84 months or less if financing $20,000 or less; 144 months or less if financing $20,001 or more.

New & Used Boat

60 months or less if financing under $10,000; 84 months or less if financing $20,000 or less; 120 months or less if financing $20,001 or more.

Marine Boat

96 months or less if financing $25,000 - $40,000; 120 months or less if financing $40,001 - $60,000; 144 months or less if financing $60,001 or more.

(3) Share Secured Loan:

ANNUAL PERCENTAGE RATE (APR) is 2% above the dividend rate being paid on the share account at the time the loan is secured. The ANNUAL PERCENTAGE RATE and corresponding Daily Periodic Rate will be shown on the Loan Advance Voucher. Maximum Term 60 months.

(4) Certificate Secured Loan:

ANNUAL PERCENTAGE RATE (APR) is 2% above the dividend rate being paid on the certificate account at the time the loan is secured. The ANNUAL PERCENTAGE RATE and corresponding Daily Periodic Rate will be shown on the Loan Advance Voucher. Term will match term of certificate pledge; 60 months maximum. (Remaining unpaid loan balance, if any, will be due and payable upon maturity of the certificate)

Late Charge:

If any payment is more than 10 days late, a late charge will be assessed equal to 20% of the interest due, but no less than $1.00.

All rates and policies are subject to change without notice.

For Additional Information Contact Member Services at (650) 723-2509 or Toll Free: (888) 723-SFCU

Compare (February 23, 2009)

Mon, 23 Feb 2009 08:00:00 GMT

Accounts	Stanford FCU		B of A		Wells Fargo
	RATE	APY*	RATE	APY*	RATE	APY*
Savings	0.75%	0.75%	0.20%	0.20%	0.05%	0.05%
Interest Checking	.25%	.25%	0.05%	0.05%	0.05%	0.05%
Money Market ($2,500)	2.25%	2.27%	1.25%	1.26%	0.15%	0.15%
Money Market ($10,000)	2.30%	2.32%	1.25%	1.26%	0.15%	.015%
IRA Share	1.25%	1.25%	1.24%	1.25%	0.10%	0.10%
12 Mos. CD ($10,000)	2.50%	2.52%	1.34%	1.35%	1.14%	1.15%
18 Mos. CD ($10,000)	2.55%	2.58%	1.34%	1.35%	1.14%	1.15%
24 Mos. CD ($10,000)	2.60%	2.63%	1.49%	1.50%	1.49%	1.50%
Share Certificate (CDs)	We'll beat any CA Bank or S&L³		Rates Vary		Rates Vary

Loans	Stanford FCU	B of A	Wells Fargo
New Auto (up to 84 Mos.)	as low as 5.75% APR** fixed¹	5.84%APR**	7.89%APR**
Used Auto (up to 84 Mos.)²	as low as 5.75% APR** fixed¹	9.90%APR**	8.49%APR**
Classic VISA w/no Annual Fee	13.99% APR**	N/A	N/A
Platinum Rewards VISA w/no Annual Fee	9.99% APR**	6.99%APR**	7.65%APR** 9 mo. intro. rate

Extra Benefits	Stanford FCU	B of A	Wells Fargo
Online Bill Payment Service	FREE	Free	Free
e-Statements	YES	Yes	Yes
Online Check Copies	YES	Yes	Yes
ATM Card Purchases	FREE	Free	Free
Incoming Wire Transfer Fee	FREE	Yes	Yes
Travelers Checks	FREE	1% of total	1% of total

Information obtained via INFORMA Research Services, Inc., Financial Institution Rate Comparison, 2/16/09. Rates and information subject to change without notice. Visit our Rateboard links for our current rates.
*APY=Annual Percentage Yield
**APR=Annual Percentage Rate
¹Rate is based on credit score and reflects automatic payment discount, click here to see rateboard and detailed disclosure.
²Applies to vehicle 10 model years or newer, with less than 100,000 miles.
³Published means advertised via newspaper, WWW, radio or television. California based banks only. Internet-only banks and credit unions excluded. SFCU Certificates will be opened on the existing schedule of maturities. This offer applies to new Share Certificate, IRA Certificates and SFCU Certificates at maturity with comparable terms and minimum balance requirements. Cannot be used in conjunction with special rate promotions by other financial institutions or other bonus rate programs offered by SFCU such as the Step-Up and Liquid Share Certificate.

Business Rates (January 31, 2008)

Thu, 31 Jan 2008 08:00:00 GMT

Account Descriptions	Dividend Rate	Annual Percentage Yield (APY)
The above rates are as of the last SFCU dividend declaration date.
Business Share (Savings) Account The Savings Account is one of the basic financial business services the Credit Union offers. A minimum balance of $50.00 earns dividends and maintaining a $100 balance throughout the month will avoid a $4 service charge.	$50.00 and over .75%	.753%
Business MMA (Money Management Account) With the Business Money Management Account (BMMA), your business will earn higher yields with higher deposits. Three free checks per month, each additional check cleared is $5.00. The BMMA is a safe investment that keeps your money liquid.	Rates located below
Business Premier Market Savings Account (BPMSA) Make your money work for you, deposit into the Business Premier Market Savings Account (BPMSA). The minimum balance is $25,000. The maximum balance is $2,500,000. Withdraw funds as often as you like without penalty. Balances under $25,000 will revert to the current Business Share Account rate. SFCU promotional or rate bonus programs do not apply to the PMSA.	Rates located below
Business Share Certificates Share Certificates are available at very competitive market rates. Higher deposits and longer terms earn higher dividends.	Rates located below
e-Business Checking A unique business checking account that rewards business members for their exclusive use of SFCU's electronic banking services. Minimum to open is $100. Below minimum fee is $7.50 per month if balance falls below $2,500. This account allows up to 50 checks per month to clear electronically free of charge, each additional check is $0.25.	N/A	N/A
Business Checking Minimum to open is $100. Below minimum fee is $10 if the balance falls below $5,000. This account allows up to 50 checks per month to clear free of charge, each additional check is $0.25.	N/A	N/A
Business Plus Checking Minimum to open is $100. Below minimum fee is $12.50 if balance falls below $7,500. This account allows up to 100 checks per month to clear free of charge, each additional check is $0.25.	N/A	N/A
Business Analysis Minimum to open is $100. This account does have an earning credit and additional fees. Please see the Business Connect Fee Schedule for details.	N/A	N/A

Business Money Management Account Rates
Account Balance	Dividend Rate	Annual Percentage Yield
The above rates are as of the last SFCU dividend declaration date.
$50 - $2,499	0.000%	0.000%
$2,500 - $9,999	1.600%	1.612% APY
$10,000 - $24,999	1.650%	1.663% APY
$25,000 - $49,999	1.700%	1.713% APY
$50,000 and over	1.750%	1.764% APY

Business Premier Market Savings Account (BPMSA)

Account Balance	Dividend Rate	Annual Percentage Yield
$100 - $24,999	0.750%	0.753% APY
$25,000 and over	1.800%	1.815% APY

Business Share Certificates
*(Rates are subject to change weekly. If changed, new rates are normally published on Thursday mornings.)*
Term	$1,000-$9,999		$10,000-$24,999		$25,000-$49,999		$50,000-$99,999		>$100,000
Term	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield	Dividend Rate	Annual % Yield
3 months	1.700%	1.713%	1.750%	1.764%	1.800%	1.815%	1.850%	1.866%	1.950%	1.968%
6 months	1.950%	1.968%	2.000%	2.018%	2.050%	2.069%	2.100%	2.120%	2.200%	2.222%
Liquid 7 months	NA	NA	1.950%	1.968%	1.950%	1.968%	1.950%	1.968%	1.950%	1.968%
12 months	2.200%	2.222%	2.250%	2.273%	2.300%	2.324%	2.350%	2.375%	2.450%	2.478%
18 months	2.250%	2.273%	2.300%	2.324%	2.350%	2.375%	2.400%	2.427%	2.500%	2.529%
24 months	2.300%	2.324%	2.350%	2.375%	2.400%	2.427%	2.450%	2.478%	2.550%	2.580%
36 months	2.700%	2.734%	2.750%	2.785%	2.800%	2.836%	2.850%	2.888%	2.950%	2.990%
48 months	3.000%	3.042%	3.050%	3.093%	3.100%	3.144%	3.150%	3.196%	3.250%	3.299%
60 months	3.100%	3.144%	3.150%	3.196%	3.200%	3.247%	3.250%	3.299%	3.350%	3.402%
Step Up 25 months	2.000%	2.018%	2.100%	2.120%	2.100%	2.120%	2.150%	2.171%	2.250%	2.273%

Menu of Business Loans
Loan Type	Annual Percentage Rate for Purchases	Repayment Term
For up-to-date Rates and Terms, refer to Mortgage Mart at www.sfcu.org Also Available: 1st Mortgages Second Trust Deeds
Business Corporate Visa	Prime + 5%	Revolving
Business Lines of Credit/Working Capital Lines	Contact SFCU for Rates and Terms
Business Loans Secured by Furniture, Fixtures & Equipment
Business Loans Secured by Residential, Rental Property or Commercial Real Estate
Business Loans for Vehicles
Home Equity Line	N/A	10 yr. draw; 5 yr payback

Home (December 1, 2007)

Sat, 01 Dec 2007 08:00:00 GMT

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3-Year Adjustable Rate	5 year Adjustable Rate	30 Year Fixed Rate	HELOC
APR* as low as	APR* as low as	APR* as low as	APR* as low as
3.863%	4.147%	4.948%	4.750%
	<Assumptions>

* see definition below

Business Fee Schedule (January 1, 2007)

Mon, 01 Jan 2007 08:00:00 GMT

Account or Service	Fee	Comments or Waivers
Account Fees
Stop Payment Fee	$20 per check
Notary Fee	$10.00 per signature
Bill Payer Service	FREE	Business Analysis Checking: See fees below.
Account Research	$25.00 Hour (1 hr. minimum)
Overdraft fee for ACH/Draft NSF (1)	$27.50 per item
Non-Sufficient Fund(1) Fee	$27.50 per item
Returned Check(1)	$20.00 per check
Overdraft Transfers from Business Shares	First 3 free per month, $2.00 thereafter
Outgoing Domestic Wire Transfers	$20.00 per wire
Outgoing International Wire Transfers	$37.00 per wire
Business Membership Account Closing Fee	$20.00 if closed within 6 months
Check Printing	Varies
Dormant Account Fee	$2.00/year
Business Money Management Checks Clearing	3 free per month, $5.00 thereafter
Below Minimum Fees
Business Plus Checking	$12.50 monthly	Fee waived if balance remains at or above $7,500 during the entire month
Business Checking	$10.00 monthly	Fee waived if balance remains at or above $5,000 during the entire month
eBusiness Checking	$7.50 monthly	Fee waived if balance remains at or above $2,500 during the entire month
Business Savings (Share) Account and Business Premier Market Savings Account	$4.00 monthly	Fee waived if balance remains at or above $100 during the entire month
Business MMA (Money Management Account)	$10.00 per month	Fee waived if balance remains at or above $2,500 during the entire month
Automated Teller Services
Use of Non-SFCU ATMs (Withdrawls only)	$1.00	Fee waived on most Co-op ATMs
Use of SFCU ATMs	Free
Channel Fees
In Branch/Call Center Transactions	No Fees
Check Clearing Fee	See Comments	Business Plus Checking: 100 free per month, $0.25 thereafter per check. Business Checking: 50 free per month, $0.25 thereafter per check. eBusiness Checking: 50 free per month, $0.25 thereafter per check.
Business VISA Card Services
Annual Fee	$25.00 per card	Fee Waived with 12 uses per year
Copy of VISA Sales Draft	$20.00 per copy
Replacement Cards	$10.00 per card
Miscellaneous Services
Rolled Coin Depost/Withdrawl Fee	$0.25 per roll
Check Deposit Charge	See Comments	$2.50 fee for a deposit with more than 25 checks without two tapes and a deposit slip. Business Analysis Checking: See fees below.
Empty ATM Deposit Envelope	$20 per deposit envelope
Visa Gift Cards	$5.95 per card
Collection Item	$20.00 per item
Teller Check not Payable to Member	$3.00 per check
Business Credit Reference	$10.00 per verification
7 Month Liquid CD Closure Fee	$100.00 per CD	If balance falls below $10,000
Sending Tax Lien Check to IRS	$15.00 per Lien

Business Analysis Checking Account Fee Schedule(2)
Service	Fee (Applies to Service via All Channels)
Analysis Fee	$15.00 (Base fee + other fees if applicable)
Per Check Clearing Charge	$0.10 per check
Per Check Deposit Charge	$0.10 per check
Per Deposit Fee	$1.00 each
Cash Deposit/Withdrawl Fee	$1.00 per $1,000 Example: $0.01 - $1,000 => $1.00 Fee $1,000.01 - $2,000 => $2.00 Fee, etc.
Bill Payer Fee	1st month free $9.95 for the first 15 payments and $0.75 for each additional payment.
Multi Business Checking and Zero Balance accounts are available	Applicable service charges will be included in the analysis description of charges.

Notes:

(1) Explanation of Terms:

Non-Sufficient Funds Item (NSF): An electronic payment or check written by a member against an account, which does not contain sufficient funds to cover the item.
Return check: An item written on another financial institution, which is returned unpaid to SFCU.

(2) Business Analysis Checking Account Fee Schedule

These monthly business analysis fees are in addition to those listed on the accounts fee schedule.

Fees subject to change with special promotions or compensating activity.