Rates

Personal Lending Rates

Sun, 24 Aug 2008 03:07:23 +0000

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Lending Rates - Effective as of 07/1/2009 (Prime Rate 3.25%) *Rates as low as.
Loan Type	Parameters	Term Up To	Mortgage Position	Minimum Initial Advance		Rate*
Home Equity Line of Credit »Apply Online	Fixed	5 Years	1st 70% LTV**	5,000.00	*	4.250%
	Fixed	10 Years	1st 70% LTV**	5,000.00	*	4.750%
	Fixed	15 Years	1st 70% LTV**	5,000.00	*	5.000%
	Fixed	20 Years	1st 70% LTV**	5,000.00	*	6.000%
	Fixed – 4-year draw period, limits up to $417,000; Maximum purchases up to $417,000 require formal closing.
	Variable	20 Years	1st 80% LTV**	5,000.00	*	5.00%†
	Variable	20 Years	2nd 71%-80% LTV**	5,000.00	*	5.00%††
	†3.99% for the first 6 months then, Prime - 1.25%. Adjusted annually, min 5% APR after 6 months. 20 Year Draw Period, limits up to $417,000; Refinances $150,000+ and all purchases require formal closing. CCFCU will reimburse NYS Tax and Recording fees up to $500. Not valid on CCFCU refinances.
	††3.99% for the first 6 months then, Prime + 4.00%. Adjusted annually, min 5% APR after introductory period. $5,000 initial advance new money. All purchases require formal closing. 20-year draw period. Maximum loan amount $50,000.CCFCU will reimburse NYS Tax and Recording fees up to $500. Not valid on CCFCU refinances.
1st Mortgages	Please contact the Lending Department for more information. » Apply Online

** Loan–to–Value.

Loan Type

Parameters

Term
Up To

Rate*

New/Used Vehicles 2007, 2008, 2009, 2010

100% Financing
(Retail value + taxes + dealer fees + Carbuyers fees)

Fixed

2 Years

3.490%

Fixed

3 Years

3.990%

Fixed

4 Years

4.490%

Fixed

5 Years

4.740%

Fixed

6 Years

5.740%

Used Vehicles 2005 & 2006

(Retail value + taxes + dealer fees + Carbuyers fees)

Fixed

2 Years

4.990%

Fixed

3 Years

5.240%

Fixed

4 Years

5.490%

Fixed

5 Years

5.740%

Used Vehicles 2004 and Older

(Retail Value + taxes + dealer fees + Carbuyers fees)	Fixed	2 Years	*	6.000%
	Fixed	3 Years	*	6.250%
	Fixed	4 Years	*	6.500%

New and Used RV/Boat 80% of sticker – new; 80% of NADA high value – used

Minimum of $5,000.00
(up to 5 years)

Fixed

5 Years

7.250%

Minimum of $10,000.00
(up to 10 years)

Fixed

10 Years

8.500%

Minimum Loan-
$5,000 and over - up to 5 years
$10,000 and over - up to 12 years

Variable

12 Years

6.000%*

*Prime + 0.50%. Minimum 6% APR

Secured

Certificate Secured

Please contact the Lending Department for rates.

Savings Secured

Please contact the Lending Department for rates.

Overdraft

Checking Account
Line of Credit

Variable

---

13.500%

Education

Academic Advantage
(Guaranteed Student Loans Available)

Variable

20 Years

5.000%*

*Prime. Minimum 5% APR

Federal Stafford (Undergraduate)
disbursed after 7/1/09

Fixed

---

5.600%

Federal Stafford (Graduate)
disbursed after 7/1/09

Fixed

---

6.800%

Federal PLUS
disbursed after 7/1/09

Fixed

---

8.500%

Personal

Personal

Fixed

2 Years

11.750%

Fixed

3 Years

12.250%

Fixed

4 Years

12.500%

Fixed

5 Years

14.500%

Credit Cards

Classic Visa Credit Card

Fixed

---

13.900%

Platinum Visa Credit Card

Fixed

---

9.900%

* Annual Percentage Rate. All Rates subject to change.

The rates quoted are for individuals with excellent credit who select our Automatic Payment Plan. Individuals with less than excellent credit and/or who do not select our Automatic Payment Plan may be offered a higher rate.

Small Business Lending Rates

Sun, 24 Aug 2008 03:07:23 +0000

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Business Lending Rates - Effective as of 10/31/2008 (Prime Rate 4.00%) *Rates as low as.
Loan Type	Parameters	Term Up To		Rate*
Business Checking L–o–C	Variable	---	*	13.500%
Business Credit Card	Fixed	---	*	13.900%
New and Used Vehicle Business – Sole Proprieter Only
This vehicle loan is available to Sole Proprietor's only. All other commercial types contact Commercial Services. Maximum loan amount not to exceed $50,000. Aggregate balance/limits on all business Loans/Visa can also not exceed $50,000 per business. If new loan exceeds the maximum business limit contact Commercial Services.
New/Used Vehicles '06 & Newer
New – 100% Financing (retail value + taxes + dealer fees + Carbuyers fees) Used – (retail value + taxes + dealer fees + Carbuyers fees)	Fixed	5 Years	*	7.240%
	Fixed	6 Years	*	8.240%
Used Vehicles '05 & Older
(retail value + taxes + dealer fees + Carbuyers fees)	Fixed	4 Years	*	8.240%

Business Specialized Vehicle/Equipment Loan – Sole Proprieter Only
New 80% MSRP not including taxes and fees	Fixed	5 Years	*	10.740%
Used 80% NADA mid value not including taxes	Fixed	5 Years	*	11.740%
See Commercial Services for all other Commercial Loans including but not limited to: Commercial Real Estate Loans, Commercial Term Loans and Commercial Line of Credit Loans.

* Annual Percentage Rate. All Rates subject to change.

Small Business Deposit Rates

Sun, 24 Aug 2008 03:07:23 +0000

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BUSINESS ESSENTIAL RATES Effective as of 07/15/09
Type	Term	Rate	APY**
Business Essential Savings *	$100 Minimum Average Daily Balance to Earn Dividends	0.74%	0.75%
Business Essential Clubs *	$100 Minimum Average Daily Balance to Earn Dividends	0.74%	0.75%
Organizational Checking Accounts	$0 Minimum Average Daily Balance to Earn Dividends.	1.73%	1.75%
IOLA Checking Accounts	$0 Minimum Average Daily Balance to Earn Dividends.	0.99%	1.00%
Business Ease Checking	$100 Minimum Average Daily Balance to Earn Dividends.	0.99%	1.00%
Business Edge Checking	$2,500 Minimum Average Daily Balance to Earn Dividends.	1.24%	1.25%
Business Elite Checking	$7,500 Minimum Average Daily Balance to Earn Dividends.	1.49%	1.50%
Business Essential Money Market*	.01 to $2,499.99	0.00%	0.00%
	$2,500 to $9,999.99	0.74%	0.75%
	$10,000 to $24,999.99	0.99%	1.00%
	$25,000 to $49,999.99	1.24%	1.25%
	$50,000 and over	1.49%	1.50%
Business Premiere Money Market *	.01 to $59,999.99	0.00%	0.00%
Business Premiere Money Market *	$60,000 and over	1.98%	2.00%

* Maximum six (6) automatic withdrawals or transfers per month (Includes three (3) check clearing per month). No limit on the number of cash withdrawals. Dividends paid on full balance in the account based upon the rate that corresponds to the account balance.
**Annual Percentage Yield

Regular Business Essential Certificates
Terms	Rate	APY**	Minimum Balance
3 Month	1.09%	1.10%	$5,000
6 Month	1.19%	1.20%	$5,000
12 Month	1.53%	1.55%	$5,000
24 Month	2.07%	2.10%	$5,000
36 Month	2.46%	2.50%	$5,000
48 Month	2.95%	3.00%	$5,000
60 Month	3.10%	3.15%	$5,000

Special Business Essential Certificates
Terms	Rate	APY**	Minimum Balance
8 Month Special	1.68%	1.70%	$5,000
13 Month Special	1.98%	2.00%	$5,000
21 Month Monthly Allowance CD***	1.98%	2.00%	$5,000
23 Month Special	2.27%	2.30%	$5,000
39 Month Special	3.19%	3.25%	$5,000

**Annual Percentage Yield
Rates are subject to change without notice.

***Maximum withdrawal without penalty is $1,000.00. A minimum amount of $5,000 is required to open certificate. $500 minimum to earn APY.

Certificate interest is compounded daily and posted quarterly. The interest rate and APY on all accounts, except Certificates, may change after the account is opened. A penalty may be imposed for early withdrawals on Certificates. Fees and other conditions may reduce the earnings on some accounts. Accounts are insured by NCUA in accordance with federal regulations.

Personal Deposit Rates

Sun, 24 Aug 2008 03:07:23 +0000

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Dividend Rates – Effective as of 07/15/09
Type	Term	Rate	APY**
Consumers’ Choice Free Checking	No minimum/no fee.	0.00%	0.00%
Young Adult Checking (ages 15 – 22)***	No minimum/no fee.	0.00%	0.00%
Members' Advantage Dividend Checking	$500 Minimum Monthly Average Balance to Earn Dividends.	0.49%	0.50%
Investors’ Advantage Dividend Checking (Investors' Advantage Money Market required to open)	$1,000 Minimum Monthly Average Balance to Earn Dividends.	0.74%	0.75%
» Checking Account Application
Youth Account (Minimum $25.00 to open)	$.01 to $2,499.99	0.49%	0.50%
	$2,500.00 to $9,999.99	0.74%	0.75%
	$10,000.00 and over	0.99%	1.00%
Savings Accounts and IRA Savings Accounts (Traditional, Educational, Roth, and SEP)	$.01 to $99.99	0.00%	0.00%
	$100.00 to $2,499.99	0.49%	0.50%
	$2,500.00 to $9,999.99	0.74%	0.75%
	$10,000.00 and over	0.99%	1.00%
Health Savings Account	$.01 to $2,499.99	1.98%	2.00%
Health Savings Account	$2,500.00 and over	2.96%	3.00%
Money Manager Club, Holiday Club, Member's Choice Club, United Way Club†, College Savings Club and Escrow/Miscellaneous Club	$.01 to $99.99	0.00%	0.00%
	$100.00 to $2,499.99	0.49%	0.50%
	$2,500.00 to $9,999.99	0.74%	0.75%
	$10,000.00 and over	0.99%	1.00%
» Club Account Application
Investors' Advantage Money Market Account*	.01 to $2,499.99	0.00%	0.00%
	$2,500 to $9,999.99	0.74%	0.75%
	$10,000 to $24,999.99	0.99%	1.00%
	$25,000 to $49,999.99	1.24%	1.25%
	$50,000 and over	1.49%	1.50%
Premier Advantage Money Market Account* (requires a CU checking account)	.01 to $59,999.99	0.00%	0.00%
	$60,000 and over	1.98%	2.00%
» Money Market Application

* Maximum six(6) automatic withdrawals or transfers per month. Three (3) check clearing per month. No limit on the number of cash withdrawals. Dividends paid on full balance in the account based upon the rate that corresponds to the account balance.
** Annual Percentage Yield
*** Youth 15–17 eligible only with an adult joint owner on the account.
† United Way Club eligible to Verizon employees only.

Additional Certificates
Terms	Minimum Balance	Rate	APY**
8 Month Special	$500 For Savings $500 for IRA⁺	1.73%	1.75%
13 Month Special	$500 for Savings $500 for IRA⁺	1.98%	2.00%
18 Month Add to Me*	$100 for Savings IRA Not Offered	1.58%	1.55%
18 Month Youth Certificate (CertifiKID)*	$100 for Savings IRA Not Offered	1.73%	1.75%
36 Month Youth Certificate (CertifiKID)*	$100 for Savings IRA Not Offered	2.51%	2.55%
36 Month Add To Me*	$100 for Savings IRA Not Offered	2.42%	2.45%
21 Month Monthly Allowance Certificate***	$5,000/$500 for Savings IRA Not Offered	1.98%	2.00%
23 Month Special	$500 for Savings $500 for IRA⁺	2.27%	2.30%
39 Month Special	$500 for Savings IRA Certificate not offered	3.19%	3.25%
» Certificate Application

* Minimum balance waived if certificate is payroll deducted. Cash, check and account transfer deposits limited to $30,000 during the term of a non-IRA certificate. No limitation on the amount that can be deposited by payroll deduction (IRAs subject to maximum annual contribution limits).
** Annual Percentage Yield
*** Maximum withdrawal without penalty is $1,000.00. A minimum amount of $5,000 is required to open the certificate. $500 minimum to earn APY.
+ Additional deposits allowed through payroll deduction.

TERMS	REGULAR SAVINGS and IRA⁺ CERTIFICATES
	Rate	APY**
3 Month	1.09%	1.10%
6 Month	1.19%	1.20%
12 Month	1.53%	1.55%
24 Month	2.07%	2.10%
36 Month	2.46%	2.50%
48 Month	2.95%	3.00%
60 Month	3.10%	3.15%
» Certificate Application

* Available to members with an aggregate balance of $25,000.00 or more.
** Annual Percentage Yield
+ Additional deposits to IRA Certificates allowed through payroll deduction.
Regular Savings Certificate minimum balance is $500
IRA Certificate minimum balance is $500
Preferred Savings and IRA Certificate minimum balance is $2,500

Certificate dividends are compounded daily and posted quarterly. The dividend rate and APY on all accounts, except Certificates, may change after the account is opened.

* A penalty may be imposed for early withdrawals on Certificates, including IRA Certificates. Fees and other conditions may reduce the earnings on some accounts. Rates are subject to change without notice. Accounts are insured by NCUA in accordance with federal regulations.