Loan Rates & Terms - Effective 4/17/08 LOAN APR* (Annual Maximum Estimated Monthly Maximum Loan TYPE Percentage Rate)� Term Payment per $1000‚ Amount   Signature 11.00% 36 months 36 payments of $32.73 $20,000 12.00% 48 months 48 payments of $26.33 $20,000 13.00% 60 months 60 payments of $22.75 $20,000 Share or CD Secured 2.5% over Match Varies $100,000 rate paid to Maturity Credit Consolidation 15.00% 48 months 48 payments of $27.80 $20,000 Education 9.00% 60 months 60 payments of $20.76 $15,000 Personal Computer 9.00% 36 months 36 payments of $31.80 $5,000 proof of purchase is required New & Used Vehicles 5.25%* 36 months 36 payments of $30.15 Up to 100% (autos, trucks, 5.25%* 48 months 48 payments of $23.20 of the M.S.R.P.ƒ SUVs & "Demos" 5.25%* 60 months 60 payments of $19.03 plus taxes, tags SAME GREAT RATE! 5.25%* 72months**   72 payments of $16.26 extended warranty For Current Year and 5.25%*  84 months** 84 payments of $14.29 & gap insurance Up to 6 model years **Minimum Loan is $25,000 for72 months &   $30,000 for 84 months                                                                New Motorcycle (current model year) 7.00% 60 months 60 payments of $19.86 Used Motorcycle Up to 100% of the Used motorcycles up to 4 model years old NADA Suggested 8.50% 36 months 36 payments of $31.57 Retail Valueƒ NEW Leisure Vehicles 7.25% 120 months 120 payments of $11.74 Up to 80% of &Boats the M.S.R.P.ƒ Used Leisure Vehicles 8.75% 120 months 120 payments of $12.53 Up to 80% of the & Boats N.A.D.A. (up to 6 model years old) Retail Value ƒ New Boats & Personal 7.25% 120 months 120 payments of $11.74 Up to 90% of Watercraft (current the M.S.R.P.ƒ model year and "demos") Used Boats & Personal 8.75% 120 months 120 payments of $12.53 Up to 80% of Watercraft (up to 6 N.A.D.A. Average model years old) Retail Value or certified appraisalƒ Home Equity 5.99% 120 months 120 payments of $11.13 Up to 80% of Closed End Equity Loan Fixed Rate appraised value       Personal Line of 13.9% Revolving 3.5% of $10,000 Credit outstanding outstanding balance; balance; minimum $15„ minimum $40 „ Overdraft Plus 15.0% Revolving 3.5% of $2,000 Overdraft Protection outstanding outstanding balance; balance; minimum $15„ minimum $40 „ Visa ® Credit Cards 12.99% Revolving 2.25% of $20,000 outstanding balance; minimum $15„ Home Equity Lines of Credit Prime Rate 6.0% Revolving 1.5% of the $100,000   Draw Term Outstanding or 80% 5 Years Balance Loan To Value Repayment 0r $50; whichever 10 Years is greater $5,000 Minimum Prime + One 7.0% Revolving 1.5% of the $100,000   Draw Term Outstanding or 90% 5 Years Balance Loan To Value Repayment 0r $50; whichever $5,000 10 Years is greater Minimum                       Revolving Interest Only of the $100,000 Draw Term Outstanding or 100%   10 Years Balance Loan To Value                        or $50; whichever is greater           Home Equity LOC Up to 100% LTV.Eligible properties are owner-occupied primary residences within   Michigan.Call our Loan Department at 989-224-9511 for rates, terms, an application, and disclosures; or visit or website & apply on line. Prime Rate as disclosed quarterly in the Wall Street Journal. �Stated APR is the lowest rate available, for qualified members.  APR assumes auto-debit of loan payments.Rate 1/4% higher with no auto debit.  An applicant's actual final rate may be higher, based upon creditworthiness. Estimated monthly payment per $1000 borrowed   Figures shown are intended to give you approximate information, actual payments may vary slightly.  Plus taxes, tags, extended warranty and for most vehicles, gap insurance. Total unsecured credit lines and unsecured loan balances (including education loans) per member is limited to 30% of gross income; this total may not exceed $20,000 .  Debt consolidation loans in excess of $10,000 may require  additional collateral.  To apply, please submit the following:  a completed loan application, current payroll statement, proof of all "other income," and a stated purpose.  Rates effective May 1, 2008; subject to change.     *Rate will be adjusted based on credit score and relationship with credit union service         .

Clinton County FCU
1200 Zeeb Dr.
St. Johns, Michigan 48879
989.224.9511
Fax: 989.224.6596
jackie@clintoncountyfcu.org