Savings Rates | Loan Rates | Mortgage Rates

AAA Members qualify for a .25% addition to any CD rate and .25% subtraction to any new or used car loan rate. ** AAA incentive already included in listed rates** Effective October 30, 2008  Savings Rates   Product  Rate APY  Minimum Balance Share Account 0.60% 0.60% $5.00 share in credit union $250.00 to earn interest Insurance Account 0.60%   0.60% $250.00 to earn interest   Special Purpose   0.60% 0.60%   $250.00 to earn interest IRA Shares 1.65% 1.66% None   Mega Buck Account   0.60%   0.60%   None   Student Achievers   0.60%   0.60%   None                                                 *APY = Annual Percentage Yield Certificates of Deposit/IRA CD  SHARE CERTIFICATE TERM APY RANGE      6 Month 2.60% - 3.13%       12 Month 3.15% - 3.61%      24 Month 3.30% - 3.76%      36 Month 3.45% - 3.97%      48 Month 3.50% -4.07% Penalty for early withdrawals. AAA Members qualify for a .25% addition to any CD rate and .25% subtraction to any new or used car loan rate. ** AAA incentive already included in listed rates** Loan Rates Loan Type Rates as low as Term/Information       New Auto Loan 4.50%  From 24-60 Months Used Auto Loan        5.00% From 24-60 Months Recreational Vehicle(new) 5.00% 60 Months Recreational Vehicle (used) 6.50% 60 Months Unsecured Loan 6.75%  12 Months Share Secured  2.50% From 12-60 Months *Your Actual APR (Annual Percentage Rate) will be based upon your individual credit worthiness, loan amount & term of loan. Balloon Mortgages   Option 1 Option 2 Maximum Value Loaned: 80%   90% Maximum Amount: $250,000   $150,000   Value Determined By:   *SEV or Appraisal Appraisal Fixed Rate as low as:  5.00%  6.00% Term:   5 or 7 yrs   5 or 7 yrs Amortization:   5 to 25 yrs   5 to 25 yrs   *SEV = State Equalized Value          30 year and 40 year fixed rates are offered through our Mortgage Center 2ND MORTAGE OPTION   Option 1 Option 2 Maximum Value Loaned:   80%   90%   Maximum Amount:   $100,000   $80,000 Value Determined By: *SEV or Appraisal   Appraisal Rate:  Fixed for balloon term            as low as 5.00% Term: 5-7 year balloon       HOME EQUITY LINE OF CREDIT OPTION   Option 1 Option 2 Maximum Value Loaned:   80%   100%   Maximum Amount:   $150,000   $50,000 Value Determined By: *SEV or Appraisal   Appraisal Rate as low as: (Variable based on prime rate) 4.00% 5.00% or  (Prime +1) Term: 10 yrs 10yrs Maximum Repayment Period: 20 yrs 20 yrs Minimum Payments:     Balance Owing Payoff Period Up to $5,000   5 years   $5,001 - $10,000 8 years $10,001 – $15,000   10 years $15,001 - $25,000 15 years $25,001 and up 20 years EXAMPLE OF HOW TO FIGURE  YOUR  LINE OF CREDIT 80% Of Value 100% of Value Value of Home $100,000 X__80% $80,000  $100,000  X__100% $100,000  Less Current Mortgage Debt  -__$40,000 -__$40,000 Potential Credit Line $40,000  $60,000     Home Equity Line of Credit may adjust twice a year on January 1 and July 1.

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Consumers Choice Credit Union
2510 Weiss St.
Saginaw, Michigan 48602
989.799.5580
Fax: 989.799.5040
cclark@choicecu.org