Central Credit Union

Account Type	APR
Share Secured Loans
Loans $2,000 Or More	3.90%
Loans Less Than $2,000	6.40%
Personal Loans	As low as 9.90%
Overdraft Protection	18.00%

Account Type	Terms	APR
Fixed Rate Home Equity Loans*
$25,000+	60 Months	As low as 5.49%
$25,000+	84 Months	As low as 6.49%
$25,000+	120 Months	As low as 6.79%

$15,000-$24,999	60 Months	As low as 7.49%
$15,000-$24,999	84 Months	As low as 7.49%
$15,000-$24,999	120 Months	As low as 7.79%

Variable Rate Home Equity Lines of Credit**
$99,000 or more		As low as Prime minus 1.00%
$50,000 to $98,999		As low as Prime minus .50%
$25,000 to $49,999		As low as Prime minus .25%
$5,000 to $24,999		As low as Prime plus .50%

Interest-Only Home Equity Line of Credit***
$99,000 or more		Prime minus .75%
$50,000 to $98,999		Prime minus .25%
$25,000 to $49,999		Prime
$5,000 to $24,999		Prime plus .75%

*Loans are repayable in equal monthly installments over the term of the loan. 10-year term availability dependent on availability of designated long-term funds. Example: Monthly payment on a $25,000 loan at 6.79% APR for 120 months is $287.51. Total finance charge: $9,500.84. Total loan cost: $34,500.84. Listed rates are for qualified members who borrow up to 85% of their homes’ equity. Qualified members can borrow up to 100% of their homes’ equity at a higher rate.

**Rate can change on the first of each month and is based on the Prime Rate as published in the Wall Street Journal. On 8/26/08, the Prime Rate was 5.00%. Rate determined by available line of credit as follows: $99,000 or more, Prime minus 1.00%; $50,000-$98,999, Prime minus .50%; $25,000-$49,999, Prime minus .25%; $5,000-$24,999, Prime plus .50%. Listed rates are for qualified members who borrow up to 85% of their homes’ equity. Qualified members can borrow up to 100% of their homes’ equity at a higher rate. Maximum APR: 18%. Initial advance of at least $5,000 is required at the time of loan disbursement. Subsequent advances must be at least $500. Minimum monthly payment $120. A $50 annual fee is waived the first year and then becomes effective for the remaining four years of the draw period. If you close your line of credit within two years of its opening, you will be required to reimburse the credit union for certain third party fees up to a maximum of $400.

***Rate can change on the first of each month and is based on the Prime Rate as published in the Wall Street Journal. On 8/26/08, the Prime Rate was 5.00%. Rate determined by available line of credit as follows: $99,000 or more, Prime minus .75%; $50,000-$98,999, Prime minus .25%; $25,000-$49,999, Prime; $5,000-$24,999, Prime plus .75%. Listed rates are for qualified members who borrow up to 85% of their homes’ equity. Maximum APR: 18%. Initial advance of at least $5,000 is required at the time of loan disbursement. Subsequent advances must be at least $500. Minimum monthly payment during principal balance plus interest repayment period is $120. A $50 annual fee is waived the first year and then becomes effective for the remaining nine years of the draw period. If you close your line of credit within two years of its opening, you will be required to reimburse the credit union for certain third party fees up to a maximum of $400.

*Minimum loan amount is $15,000. Loans are repayable in equal monthly installments over the term of the loan. Example: Monthly payment on a $50,000 loan at 5.50% APR for 120 months is $542.54. Total finance charge: $15,103.97. Total loan cost: $65,103.97. Listed rates are for qualified members who borrow up to 80% of their homes’ current market value. There is a non-refundable $200 application fee and only a $150 charge for closing costs. Should it be determined that an appraisal is necessary, you will be charged the fee for this service at the credit union's cost. Homeowner’s insurance is required.

**Minimum loan amount is $50,000. Listed rate of 6.00% (6.062% APR) is fixed for the first five years. Thereafter, rate and APR may change annually. Loan is repayable over a period of up to 30 years. Payment example: A $150,000 loan at a rate of 6.00% (6.062% APR) with a 30-year repayment period would result in a monthly payment of $899.33 for the first five years. After the first five years, rate and APR may adjust annually resulting in a change in payment. Homeowner's insurance is required.

The credit union also offers additional mortgage products. For more information, please see our Mortgage page or call our Mortgage Department at (708) 649-6427.

'06 '07 & '08 Models As Low As...	’05 Models As Low As...
5.14% APR for 24 Months 5.14% APR for 36 Months 5.14% APR for 48 Months 5.24% APR for 60 Months 5.99% APR for 72 Months ’04 Models as low as...	6.04% APR for 48 Months 6.04% APR for 60 Months
	’04 Models As Low As...
	6.04% APR for 48 Months 6.04% APR for 60 Months
	’03 Models As Low As...
	8.04% APR for 36 Months
	’02 Models As Low As...
	8.04% APR for 36 Months

Listed rates are for up to 125% financing. The credit union will finance up to 125% of the manufacturer's suggested retail price for new vehicles and up to 125% of the NADA book retail price for used vehicles for qualified members. Your APR may vary based on creditworthiness. Members with credit union Visa or Platinum Premiere Visa cards can redeem 5,000 Premiere Points and reduce their rates by an additional .25%. Loans are repayable in equal monthly installments over the term of the loan. Example: Monthly payment on a $20,000 loan at 5.14% APR for 48 months is $461.90. Total finance charge: $2,171.08. Total loan cost: $22,171.08.

First mortgage administrative fee	$150
Modification fee for closed-end real estate loans	$150
Mortgage application fee	$200

Over limit fee	$25
Card pickup fee	$65
Draft copy	$5
Returned check fee	$25
Late payment fee	$25
Statement copy	$3
Replacement card	$10

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