Loan Rates

Effective March 3, 2010

Vehicle Loans

Visit CFFCU first and let us pre-qualify you for a vehicle loan. Knowing how much you can afford and knowing you have the financing in place puts you in the best possible position to bargain with a dealer. With money saving rates and friendly, local service from people you know you can trust, CFFCU is the right place to finance your vehicle purchase with up to 100% financing. We take the guesswork out of vehicle purchasing and financing.

A one year , $1,000 loan with an APR of 7% would require 12 monthly payments of $87.

All rates quoted as an annual percentage rate (APR).

New Vehicle or Motorcycle* Secured Loan New Vehicle (2010-2009)
Term	APR
Up to 36 months	5.25%
Up to 48 months	5.25%
Up to 60 months	5.25%
Up to 72 months	6.49%
Used Vehicle or Motorcycle* Secured Loan 1-4 Yr. Old Vehicle (2009-2006)
Term	APR
Up to 36 months	5.25%
Up to 48 months	5.25%
Up to 60 months	5.25%
Up to 72 months	6.49%
Used Vehicle or Motorcycle* Secured Loan 5-7 Yr. Old Vehicle (2005-2003)
Term	APR
Up to 36 months	6.25%
Up to 48 months	6.25%
Up to 60 months	6.25%
Used Vehicle or Motorcycle* Secured Loan Over 7 Yr. Old Vehicle (2002-Older)
Term	APR
Up to 36 months	7.99%
*Motorcycle Loan: $5,000 min. and tagged for street use.

New Recreational Vehicle Secured Loan New Vehicle (2010-2009)
Term	APR
Up to 36 months	8.25%
Up to 48 months	8.50%
Up to 60 months	8.75%
Up to 84 months	9.75%
Up to 120 months	10.75%
Used Recreational Vehicle Secured Loan 1-4 Yr. Old Vehicle (2009-2006)
Term	APR
Up to 36 months	8.75%
Up to 48 months	9.00%
Up to 60 months	9.25%
Up to 84 months	10.25%
Up to 120 months	11.25%
Used Recreational Vehicle Secured Loan 5-7 Yr. Old Vehicle (2005-2003)
Term	APR
Up to 36 months	9.25%
Up to 48 months	9.50%
Up to 60 months	9.75%
Up to 84 months	10.75%
Used Recreational Vehicle Secured Loan Over 7 Yr. Old Vehicle (2002-Older)
Term	APR
Up to 60 months	10.25%
Up to 84 months	11.25%

The dealer below can give you a headstart on finding your dream car. You must identify yourself as a member of Catholic Family.

Over 120 different makes and models of sedans, minivans, trucks and SUVs. Prices are guaranteed to be below NADA and Kelley Blue Book retail.

Make your personal vehicle purchase worry-free by adding CFFCU's extended warranty. Choose from three different levels of coverage and protect yourself from expensive auto repairs. A vehicle used for business, but titled personally, is eligible for coverage.

Real Estate Loans

1st Mortgage Purchase Money for Primary Residence - Ask a loan officer for details

Call for Rates 180 months 1.0 pt/$500 Min. Application Fee

1st Mortgage Refinance $10,000 Minimum New Money Borrowed / Up to 80% of Value
APR	Term	Application Fee
4.750%	Up to 60 months	1.0 pt/$500 Min.
5.000%	Up to 84 months	1.0 pt/$500 Min.
5.150%	Up to 120 months	1.0 pt/$500 Min.
5.250%	Up to 180 months	1.0 pt/$500 Min.

2nd Mortgage / Home Equity $2,500 Min. New Money Borrowed
≤ 80% of value	≤ 90% of value	≤ 100% of value	Term
5.50%	5.75%	6.75%	36 months
5.75%	6.00%	7.00%	60 months
6.00%	6.25%	7.25%	84 months
6.25%	6.50%	7.50%	120 months

Home Equity Line of Credit $5,000 Minimum Limit
4.00% (WSJ* Prime + .50)	Up to 80% value
4.25% (WSJ* Prime + 1.00)	Up to 90% value
4.75% (WSJ* Prime + 1.50)	Up to 100% value

Visa^® Line of Credit

• 9.9% APR Prime Card
• 13.80% APR Classic Card*
• 15.96% APR Basic Card
• 9.9% - 18% APR Secured Card - Loan Value 100% Minimum of Savings

25-Day Grace Period on Purchases on all Card Programs
*9.9% APR for balance transfers & cash advances

Fees
$15.00 - Over approved limit
$25.00 - Returned check
$25.00 - Minimum late payment fee if more than 10 days delinquent

Repayment Terms: 3% of balance or $15.00, whichever is greater

Annual Percentage Rate (APR) for Purchases	VISA Prime 9.90%-18.00%* VISA Classic 13.80%-18.00%* VISA Basic 15.96%-18.00%*
Other APRs	Cash Advance APR* VISA Prime........9.90%-18.00%* VISA Classic......9.90%-18.00%* VISA Basic.........15.96%-18.00%* Balance Transfer APR* VISA Prime........9.90%-18.00%* VISA Classic......9.90%-18.00%* VISA Basic.........15.96%-18.00%* Penalty APR* VISA Prime........13.80%-15.96%-18.00%1 VISA Classic......13.80%-15.96%-18.00%1 VISA Basic.........18.00%2
Grace Period for Purchases	25 Days
Method of Computing the Balance for Purchases	Average Daily Balance (Including new purchases)
Annual Fee	None
Minimum Finance Charge	$.50
International Transaction Fee..................................1%** Late Payment Fee...................................................5%3 Over-the-Credit Limit Fee.......................................$15.00 Cash Advance Fee..................................................3%4 * The ANNUAL PERCENTAGE RATE is based on certain credit worthiness criteria. ** Of converted transaction amount. 1 When you are more than ten (10) days delinquent, more than thirty (30) days delinquent or more than sixty (60) days delinquent. 2 When you are more than thirty (30) days delinquent. 3 Of Late Payment / $25.00 minimum 4 $3.00 minimum / $30.00 maximum (excludes balance transfers)

The information about the costs for the card described in this application is accurate as of 7/2005. This information may have changed after that date. To find out what may have changed, contact Catholic Family Federal Credit Union at (316) 264-9163.

Savings Secured Loan
Terms	APR
Up to 120 months	5.00%

Certificate Secured Loan
Terms	APR
Up to 120 months	Variable rate; call for details

Membership Secured Loan
Terms	APR	Maximum Amt.
Up to 12 months	9.25%	$10,000
Up to 24 months	9.75%	$10,000
Up to 36 months	10.25%	$10,000

Guaranteed Student or Parent Loan
Talk to one of our loan officers for details

Loan/Security Fees
Fee	Description
$5.00	Application fee for payment extension or change / release of collateral
$25.00	Minimum late payment fee if more than 10 days delinquent on consumer loan or Visa
$25.00	Minimum late payment fee if more than 10 days delinquent on a real estate loan
$25.00	Returned check fee
$11.50	Minimum security interest fee (vehicle loans)
$100.00	Minimum savings balance with outstanding loan(s)
$500.00	Maximum insurance deductible for vehicle secured loan over $1,500
$1,000	Maximum insurance deductible for real estate secured loan
Varies	Real estate related processing and closing costs

Each loan or VISA request is reviewed on individual qualifications, which may increase the published rate. Credit Life Insurance and Credit Disability Insurance are available on Member Loans and VISA Credit Cards.

Food Drive Sponsor

Donated to St. Anthony Family Shelter for the homeless. Canned goods, paper items, personal care items or other non-perishable items. Bring at time of loan closing or any other time as well.