Mortgage Loans

Unsecured Loans

Credit Cards

New Vehicle

Used Vehicle

New Boats

Other Secured Loans

Fees


Rates & Fees

Deposit Rates:Effective January 7, 2008
CCUFL DIVIDEND
Increase the earnings on your Certificate!
Pioneer Club (PC) members enjoy a .25 basis point increase on some Certificates.
TYPE FEATURES Dividend Rate APY
6 MONTH CERTIFICATE / IRA (plus .25 basis pt. for Pioneer Club)
3.50%
3.56%
12 MONTH CERTIFICATE /IRA (plus .25 basis pt. for Pioneer Club)
3.50%
3.56%
18 MONTH CERTIFICATE / IRA (plus .25 basis pt. for Pioneer Club)
3.50%
3.56%
24 MONTH CERTIFICATE / IRA (plus .25 basis pt. for Pioneer Club)
3.50%
3.56%
36 MONTH CERTIFICATE / IRA  
3.50%
3.56%
       
SAVINGS BONDS (Effective Novermber 1, 2007)  
EE ----------  
3.00%
I ----------  
4.28%
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IRA ACCUMULATOR Minimum Balance $40
1.65%
1.66%
REGULAR SHARES Minimum Balance $25
1.10%
1.11%
PIONEER CHECKING Minimum Balance $1,000
1.35%
1.36%
VACATION CLUB ----------
1.10%
1.12%
CHRISTMAS CLUB ----------
1.10%
1.11%
MONEY MARKET ACCOUNTS (Minimum balance of $2,500.00) ----------
1.65%
1.66%

Additional Information:
APY = Annual Percentage Yield
Credit Union fees may reduce earnings on your account.
A penalty may be imposed for early withdrawal to Certificate Accounts.
Minimum balance required to earn stated APY for all certificates, IRAs, regular shares and pioneer club accounts.
Minimum balance for Certificate of Deposit is $1000.00
Minimum balance for IRA Certificate of Deposit is $250.00
Rates subject to change.
Federally insured by NCUA.


Listed Loan Rates Available June 2007

CCUFL LOAN RATES

TYPE FEATURES APR
1st MORTGAGE 30 Year Contact Loan Dept
UNIMPROVED PROPERTY 15 Year
7.90%
HOME EQUITY - VARIABLE  
Contact Loan Dept
HOME EQUITY- FIXED 240months
6.50% - 8.00%
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Secured Loans (Auto, Boats, RV's, Motorcycles)
NEW VEHICLE (2006 & 2007) Terms of Repayment  
84 MONTHS ---------- 6.90%-14.90%
72 MONTHS ---------- 6.90%-14.90%
60 MONTHS ----------
5.90%-13.90%
USED VEHICLE (2005 & 2006) Terms of Repayment
  

60 MONTHS ---------- 5.90%-14.90%
54 MONTHS ---------- 5.90%-14.90%
48 MONTHS ---------- 5.90%-14.90%
USED VEHICLE (2003 & 2004) Terms of Repayment
54 MONTHS 		----------

5.90%-14.90%
USED VEHICLE ( 2002 AND OLDER) Terms of Repayment
48 MONTHS		 ----------
5.90%-14.90%
MOTORCYCLE NEW and Used Terms of Repayment
 Up to 60 months
5.90%-13.90%
  Up to 72 months
6.90%-14.90%

Up to 84 months
6.90%-14.90%
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NEW BOATS Terms of Repayment
120 MONTHS
MINIMUM $30,000 FINANCED

6.90%-14.90%
60 MONTHS ----------
5.90%-13.90%
48 MONTHS ----------
5.90%-13.90%
36 MONTHS ----------
5.90%-13.90%
24 MONTHS ----------
5.90%-13.90%
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OTHER SECURED LOANS Terms of Repayment    
RV Up to 60 months 5.90%-13.90%
  Up to120 months - MINIMUM $30,000 FINANCED 6.90%-14.90%
Up to 144 months 6.90%-14.90%
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SPECIAL PURCHASE LOANS (Computer, Furniture, Major Home Appliances, Garden Tractors, etc.) ----------
8.90%-16.90%
SHARED SECURED ---------- same as new vehicle rate
CD SECURED ---------- 2% ABOVE
CD RATE
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UNSECURED LOANS Terms of Repayment    
FLEXIBLE/LOC FIXED 8.90%-16.90%
"JUST BECAUSE" FIXED 8.90%-16.90%
VISA CLASSIC (2007) VARIABLE
12.50%
VISA GOLD FIXED
10.90%
PIONEER GOLD VARIABLE
9.90%
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Additional Information:
APR = Annual Percentage Rate
Rates based on applicant's credit and may vary from rate shown.
All loans subject to credit approval.
Rates are subject to change at the Credit Union's discretion.
All loans are considered to be open ended.

CCUFL FEE SCHEDULE
Effective November 1, 2007

Regular Share Account

Inactive Fee

 $10 per month if below minimum balance

Excessive Withdrawal

$3 per transaction if over 3 withdrawals per month

Early Closing Fee

 $10 if closed within 6 months of opening date

Reopening Fee

 $10 if reopened within 90 days of closing date

Unsatisfactory Account Closing Fee

 $25

Representative Payee Account Processing Fee

 $10
 

Checking Account

Overdraft Fee

 $5 per item

Processing Fee

$25 per item

Stop Payment Fee

 $25 per request

Check Printing Fee

 Prices vary

Fresh Start Checking

$10 per month

Business Checking

$5 per month

Pioneer Below Minimum Fee

 $25 per item

Temporary Checks Fee (per 4 checks)

 $5

Replacement Checks

 $5 per item

Check Collection

 $25

ATM Fee (out of Network)

 $1.50

Copy of Share Draft

$5
   

Other Services  (applicable to all accounts)

Account Reconciliation Fee

 $15 per occurrence

Manual Processing Fee

 $5 per item

Returned Deposit Item

 $25 per item

Outgoing Wire Transfer

$10 per transfer

Money Order Fee

 $1 each

Legal Processing Fee

 $50

Telephone Request Fee

 $5

Balance Inquiry Fee

 $5

Returned Mail Fee

 $5 per item

Statement Copy Fee

$5

Money Market Below Min. Fee

 $25
Reg D Excessive Withdrawal Fee $25

Check Cashing Fee

 $3 minimum or 1% of check
Research Fee (per hour) $15

Notary Service (for members only)

 Free to Members

Dormant Fee
(per month after 12 months of dormancy)

 $10

Visa Traveler's Cheques

 $1 per hundred
Reinstate Member Prepaid Legal Fee $5

Multiple Check

$2
Plastic Card Replacement Fee $5
Verification of Deposit $10
Escheat Fee $50

Western Union Services

 $20
Safe Deposit Boxes  
3 x 5 $20
3 x 10 $30
5 x 10 $40
10 x 10 $75
Drilling Box $150.00
Replace Key $10.00
   
Additional Information:
Rates and fees subject to change.
Rate and fee schedule available upon request.		  
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