Loans

As of October 1, 2008 Loan Type Amount Financed Maximum Terms/Months APR* New Car (2009/2008) 100% 60 4.90% Used Car (2008 - 2002) Up To Retail Value 12 - 48 4.90% Recreational Vehicle—New (must be titled) 90% 12 - 60 8.50% Recreational Vehicle—Used (must be titled) NADA loan value 12 - 48 8.50% New Motorcycle 90%  12-60 mths  8.50% Used Motorcycle NADA loan value  12-48 mths 8.50% Share/Certificate 100% secured 1 - 120 4.50% Stock Secured (Currently on Hold) 50% of value 1 - 60 7.00% Partially Secured 50% or more 1 - 48 11.50% Overdraft Protection $ 500.00/ $ 1,000.00/ $ 1,500.00  Up to 44 15.00% Loan Special Unsecured $1,000.00 Payment=$25.00 $2,000 Payment=$50.00 $3,000 Payment=$75.00 $5,000 Payment=$125.00 46 Months 46 Months 46 Months 46 Months 7.00% 7.00% 7.00% 7.00% Unsecured Revolving Credit $100-$5,000 Payment=$15-$150 8-45 Months 15.00% Unsecured amount approved is usually equal to one month of member's income. Home Equity $5,000-and Up 240 5.00% variable 10/01/08to 12/31/08 The maximum Annual Percentage Rate is 18% or the maximum permitted by law, whichever is less.  The minimum Annual Percentage Rate is 2.5%   Home Mortgages For latest Home Mortgage rates see Mortgage Center or call 800-353-4449         Credit Cards     APR VISA Classic     12.96% VISA Gold     11.96% *Annual Percentage Rate Credit Card Disclosure Information    CLASSIC  GOLD Annual Percentage Rate (APR) for Purchases  12.96%  11.96% Other APRs  Balance Transfer APR: 12.96% Cash Advance APR: 12.96%  Balance Transfer APR: 11.96% Cash Advance APR: 11.96% Grace Period for Repayment of Balance of Purchases  25 Days  25 Days Method of Computing the Balance  for Purchases  Average Daily Balance including new purchases  Average Daily Balance including new purchases Annual Fees  none  none Minimum Finance Charge  none  none Late Payment Fee  $15.00  $15.00 Over-the-Credit-Limit Fee  none  none This information was printed on January 1, 2008 and was accurate as of that date.  The information is subject to change after the date it was printed.  You should contact us for any change in this information since it was printed.  You may write us at 22720 Michigan Avenue, Dearborn, MI 48124 for this purpose. Savings As of October 1, 2008 Account Type Annual Percentage Yield Dividend Rate Minimum Balance To Open Dividend Payment Shares 0.51% 0.50% $5 Paid & Compounded Quarterly IRA 2.02% 2.00% NONE Paid & Compounded Quarterly   NEW CERTIFICATE OF DEPOSIT PROGRAM effective 8-04-08++                                              6 month           1 year             2 year          3 year            5 year $ 500.00 to $ 9,999.99  2.10% APY   2.50%APY   2.65%APY   2.70%APY  2.90%APY $ 10,000.00 and up      2.15%APY    2.55%APY   2.70%APY   2.75%APY  3.00%APY ++Dividends paid quarterly to shares. No additional deposits or withdrawals. Fixed rate. **Fees could reduce account dividend earnings;.* Penalties will apply for early withdrawals.		Financial Calculators Auto Calculators Auto Loans - Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price! Lease vs. Buy - Should you lease your next automobile or finance it? Find out with this calculator! Business Calculators Financial Ratios - This calculator help you to zero in on areas of your business that may need attention. Areas such as solvency, liquidity, operational efficiency and profitability. Credit Cards and Debt Management Credit Card Payoff - Use this calculator to see what it will take to payoff your credit card balance, and what you can change to meet your repayment goals. Personal Debt Consolidation - Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you. Investment Calculators Investment Returns - There is more to investing than knowing your annual rate of return. Use this calculator to help you see how inflation, taxes and your time horizon can impact your bottom line. Loan Calculators Amortizing Loan Calculator - Enter your desired payment - and let us calculate your loan amount or enter in the loan amount and we will calculate your monthly payment! Loan Comparison Calculator - Use this calculator to sort through the monthly payments, fees and other costs associated with comparing loan options. Mortgage Calculators Mortgage Payoff - Save thousands of dollars in interest by increasing your monthly mortgage payment. Refinance Break even - Use this calculator to see how much interest you can save if you refinance your mortgage. Personal Finance Home Budget Analyzer! - Analyze your budget, see where your money goes and find out where you can improve! Retirement Savings and Planning Retirement Income Calculator - Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement. Savings Calculators Savings Calculator - Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth. Savings Goals - What will it take to reach your savings goal? This financial calculator helps you find out. Tax Calculators U.S. 1040 Tax Estimator - How much tax will you pay in 2003? Use this 1040 tax calculator to help determine your tax bill for 2003.