|
Rates and Fees Rates effective as of 7/1/08
| Dividends Paid |
| Regular Shares |
09/30/07 |
12/31/07 |
03/31/08 |
06/30/08 |
09/30/08* |
|
|
|
|
|
|
| $25.00 – $499.99 |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
| $500.00 – $999.99 |
2.75% |
2.50% |
1.50% |
1.00% |
1.00% |
| $1,000.00 – $4,999.99 |
3.00% |
2.75% |
1.75% |
1.25% |
1.25% |
| $5,000.00 – $9,999.99 |
3.25% |
3.00% |
2.00% |
1.50% |
1.50% |
| $10,000 and over |
3.50% |
3.25% |
2.25% |
1.75% |
1.75% |
*Anticipated dividends to be paid
| Share Draft (checking) |
09/30/07 |
12/31/07 |
03/31/08 |
06/30/08 |
09/30/08* |
| paid monthly |
|
|
|
|
|
| $500.00 and over |
0.50% |
0.50% |
0.50% |
0.50% |
0.50% | *Anticipated dividends to be paid
| Goal Saver Account |
09/30/07 |
12/31/07 |
03/31/08 |
06/30/08 |
09/30/08* |
| paid quarterly |
|
|
|
|
|
| No Minimum |
N/A |
N/A |
N/A |
2.00% |
1.45% | *Anticipated dividends to be paid
| Annual dividend of 2.75% to be paid on 10/31/08 – No minimum balance | **Withdrawals made prior to 10/31/08 are subject to an early withdrawl fee
| Certificate of Deposit* |
Term |
Minimum Balance |
Rate Paid at Maturity* |
|
|
|
|
| |
12 Month |
$1,000 |
3.00% |
|
6 Month |
$1,000 |
2.75% |
*Withdrawals made prior to maturity are subject to a loss of 90 days dividend
| Loan Rates |
| Type |
Rate |
Monthly Rate |
Term |
Financing |
Conditions |
|
|
|
|
|
|
| New Vehicle — Previously Untitled, Maximum $75,000, Less than 10K miles |
| Auto |
 |
| Truck |
| Motorcycle |
| Boat | |
4.50% |
0.38% |
36 mos. |
100.00% |
|
| 5.00% |
0.42% |
48 mos. |
100.00% |
|
| 5.75% |
0.48% |
60 mos. |
100.00% |
|
| 6.25% |
0.52% |
72 mos. |
100.00% |
|
| 7.25% |
0.60% |
84 mos. |
100.00% |
|
 |
|
|
|
|
|
| Extended |
8.75% |
0.73% |
120 mos. |
100.00% |
Maximum $100,000 |
| Used Vehicle — 2003 or newer, Maximum $50,000 |
|
|
4.50% |
0.38% |
36 mos. |
100.00% |
Black Book Avg retail value |
|
|
5.00% |
0.42% |
48 mos. |
100.00% |
Black Book Avg retail value |
|
6.75% |
0.56% |
60 mos. |
100.00% |
Black Book Avg retail value |
|
7.25% |
0.60% |
72 mos. |
100.00% |
Black Book Avg retail value |
| Misc. Motor Vehicle (non-titled vehicles) |
|
|
9.00% |
0.75% |
60 mos. |
100.00% |
Black Book Avg retail value |
| Antique/Over |
|
|
7.75% |
0.65% |
72 mos. |
100.00% |
Certified appraisal value |
|
Share Secured |
|
4.25% |
0.35% |
96 mos. |
100.00% |
Limited to available share
balance |
| Home Equity* |
| Fixed Rate |
6.50% |
0.54% |
240 mos. |
95.00% |
Maximum $250,000 |
| Variable (Prime) |
5.00% |
0.42% |
240 mos. |
95.00% |
Maximum $250,000 |
*$100 application fee, $400 processing fee. $500 in fees waived during March - August Special. See our
What's New page for details!!
| Unsecured |
| Signature |
12.00% |
1.00% |
48 mos. |
$10,000.00 |
Member Signature |
| Signature |
13.00% |
1.08% |
60 mos. |
$10,000.00 |
Member Signature |
| 1 Co-maker |
13.00% |
1.08% |
48 mos. |
$15,000.00 |
Any Qualified COC employee |
| 1 Co-maker |
14.00% |
1.17% |
60 mos. |
$15,000.00 |
Any Qualified COC employee |
| Visa Card |
|
9.11% |
|
N/A |
$10,000.00 |
Member Signature |
All share and loan rates are subject to change at the discretion of the Board of Directors of the CFFCU, except in the instance of a previously advertised special whereby those special dates are clearly disclosed and defined.
State Regulations discourage the payment of dividends in excess of available earnings.
Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government.
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