Community Financial

as of 4/1/08
subject to change without notice

Dividend Rates

VEHICLE LOANS
LOAN TYPE	RATE as low as	APR*
New vehicles	4.74%	4.984%
Used vehicles	5.44%	5.685%
Motorcycles	4.74%	4.984%
Boat/RVs	5.49%	5.735%

OTHER SECURED LOANS

LOAN TYPE	RATE	APR*
Share Secured	5%	5.150%
Certificate Secured	Certificate APY + 2% (5% minimum rate)

UNSECURED LOANS

LOAN TYPE	RATE as low as	APR*
Unsecured	10.40%	10.650%
Computer	10.40%	10.650%

CREDIT CARDS

LOAN TYPE	APR*
Preferred Member Visa	13.9%
Platinum Visa	9.9%
Share Secured Visa	15.9%

Important Information for Credit Card Applicants

* APR = ANNUAL PERCENTAGE RATE. The annual percentage rate is based on a $10,000 loan with a $25 origination fee. APRs will be calculated individually based on each loan application. Rates are subject to change and based on applicant credit. 'As Low As' rates differ based on length of new auto loan term and/or minimum balance requirement. Lowest rates apply to 24 month term.

Home Loan
OPTIONS

HOME EQUITY LINES OF CREDIT

APR as low as*	Points
5.00%	0

* APR = ANNUAL PERCENTAGE RATE - Rates are subject to change and based on applicant credit.
Available to Missouri residents only.

CFCU offers additional Mortgage Loan Program options:

MORTGAGE LOANS**
Service	Down Payment	Term(s)
FHA (Purchase or Refinance)	3% down plus closing cost and prepaids or 97% LTV (refinance)	10, 15, 20, 25 or 30 year fixed
Conventional (Purchase or Refinance)	5% down plus closing cost and prepaids or 95% LTV (refinance)	10, 15, 20, 25 or 30 year fixed

**Rates for the above mortgage options may vary daily. Contact us for current rates.

We also offer other products including investment property loans, VA loans, and second homes. Find out more details by visiting one of our offices, send us an email or, call the CFCU Mortgage HOTLINE at 417.851.1430. You can get the process started by dowloading and completing our Home Loan Pre-Qualification Questionnaire

Disclaimer: Loans are secured by real estate and are available to members who reside in Missouri and Arkansas. Some restrictions may apply. Rates are subject to change without notice. Loans issued subject to credit review.

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