Rates

Rates

Consumer Loan VISA Mortgage Loans Share Accounts Share Certificate

Consumer Loan Rates

Effective May 19, 2009

New Vehicles: Current Year & 2008 Annual Percentage Rate

100% Financing

36 Months Approx. Term 2.95% - 12.45%   ***

36 - 60 Months Approx. Term 3.75% - 13.25%   ***

Used Vehicles

2007 to 2005 model years - 0 to 60 Months Approx. Term 4.00% - 13.50%    ***

2004 to 2003 model years - 0 to 48 Months Approx. Term 5.00% - 14.50%    ***

2002 and older                  - 0 to 36 Months Approx. Term 6.50% - 16.00%    ***

***(Above rates subject to .50 % discount for sharedraft account and auto transfer)***

Motorcycles/ATVs

New-80% retail

0 to 60 Months Approx. Term 7.00% - 16.50%

Used

2007 to 2005 yrs - 0 to 48 Months Approx. Term 7.50% - 17.00%

2004 and older -    0 to 36 Months Approx Term 8.00% - 17.50%

RV's

New to 2008       -     80% retail

60 Months Approx Term 6.50% - 16.00%

84 Months Approx. Term * 7.00% - 16.50%

(*If amount financed is over $20,000.00)

Used

2007 & older - 0 to 60 Months Approx. Term 7.00% - 16.50%

2007 & older - 60 to 84 Months Approx. Term * 7.50% - 17.00%

(*If amount financed is over $20,000.00)

Boats: 80% financing

New

Current year to 2008 - 0 to 60 Months Approx. Term 6.50% - 16.00%

Used

2007 to 2002 - 0 to 60 Months Approx. Term 7.00% - 16.50%

2001 & older - 0 to 48 Months Approx. Term 7.50% - 17.00%

Share Secured Advances - varies with share dividends rate 3.50% -   7.50%

All Other Secured 10.00% - 18.00%

Signature Advances 11.49% - 18.00%

Special Signature Advances 16.00% - 18.00%

Special Seasonal Advances 8.00% - 18.00%

RISK BASED: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness.

Lien entry fees must be paid by the member on all loans with security interest.

Minimum payment never less than $25.00 per month.

Rates are subject to change without notice.

New vehicles up to MSRP and used vehicles up to NADA.

VISA

ANNUAL PERCENTAGE RATE FOR PURCHASES 13.90%

ANNUAL PERCENTAGE RATE FOR CASH ADVANCE 13.90%

GRACE PERIOD FOR PURCHASES 25 DAYS

METHOD OF COMPUTING THE BALANCE FOR PURCHASES Average Daily Balance Inculding New Purchases

LATE PAYMENT FEE $10.00

CASH ADVANCE FEE $1.00

REPLACEMENT CARD/PIN FEE Card-$5.00 / PIN-$1.00

The minimum payment will be $25.00 or 3.0% of your total new balance, whichever is greater, or your total new balance if it is less than $25.00, also any protion of the minimum payment shown on prior demand.

Mortgage Loans

Please call the loan department at 353-3755 for details on 1st and 2nd mortgages

Share Accounts

LAST DIVIDEND DECLARATION DATE: June 15, 2010

Dividends on CCFCU savings accounts are declared by our Board of Directors at the last board meeting of the quarter. Dividends are paid the first day of the month following the end of each quarter.

TYPE OF ACCOUNT Dividend Rate Annual percentage yield MINIMUM BALANCE FOR DIVIDEND

SHARE 0.45% 0.45% $50.00

CHRISTMAS CLUB 0.45% 0.45% $25.00

IRA* 1.50% 1.51% $100.00

SHARE ACCOUNT DIVIDENDS ARE COMPOUNDED QUARTERLY.

DIVIDENDS ARE PAID ON AN AVERAGE DAILY BALANCE AND ASSUMES THE ACCOUNT REMAINS OPEN THRU THE END OF THE QUARTER.

*IRA ACCOUNTS ARE SEPERATELY INSURED BY NCUA UP TO 250,000.00.

DIVIDENDS ARE PAID QUARTERLY TO SHARE ACCOUNTS WHEN THE AVERAGE DAILY BALANCE MEETS OR EXCEEDS $50.

DIVIDENDS WILL BE FORFEITED ON ANY ACCOUNT CLOSED BEFORE ACCRUED DIVIDENDS ARE PAID.

SHARE CERTIFICATE ACCOUNTS

Call for special CERTIFICATE rates.

TERM DIVIDEND RATE ANNUAL PERCENTAGE YIELD*

6 MONTH .80% .81%

1 YEAR 1.05% 1.05%

18 MONTH 1.25% 1.25%

2 YEAR 1.50% 1.50%

5 YEAR 2.50% 2.50%

CERTIFICATE SPECIALS

8 MONTH** 1.05% 1.05%

8 MONTH IRA CD** 2.00% 2.00%

All rates are subject to change without notice.

Dividends may be paid at maturity or monthly to the share account.

Minimum balance to open $1,000.00.

A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL.

*ANNUAL PERCENTAGE YIELD IS COMPOUNDED AT MATURITY.

**$10,000 MINIMUM BALANCE TO OPEN.

**DIVIDENDS PAID AT MATURITY.