Collateral and signature rates are subject to changes at any time.

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Rate Discounts:

• .25% High Credit for FICOs 780 and Above

• *.25% Equity Position for LTVs below 90%

• *1.0% "I Have Connections" for Existing Members of CCU with Checking Account and Current Direct Deposit

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Rate Adds:

• 2% - Thin File (less than 18 mos credit history on at least 3 trade lines) - No FICO Bumps allowed

• 2% - Recent (3 Years and less) Chapter 7 Bankruptcies - No FICO Bumps allowed

• *2% - Collateral 20 years and older

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* Not usable on Unsecured Loans

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                     Credit card rates are subject to change on April 1st and October 1st. The rates are

                     based on the US Prime Rate as it is reported in the Wall Street Journal on the 20th

                     day of the month previous to the adjustment. The ceiling rate is 18%.

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                     HELOC rates are subject to change on the 1st day of January, April, July and October.

                     The rates are based on the US Prime Rate as it is reported in the Wall Street Journal

                     20 days before the date of adjustment. The floor rate is 4.5% and the ceiling rate is

                     15%.

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