SERVICES OFFERED BY COLFAX CREDIT UNION

SAVINGS

• DIVIDENDS PAID QUARTERLY
• REGULAR SHARE SAVINGS ACCOUNTS EARN DIVIDENDS WITH A BALANCE OF AT LEAST $100.00. YOUTH ACCOUNTS EARN DIVIDENDS WITH A BALANCE OF AT LEAST $5.00. 
• CERTIFICATES OF DEPOSIT $5000.00 MINIMUM FOR 12 MONTHS. CERTIFICATES CURRENTLY EARN 1.99% Annual Percentage Rate, 1.99% Annual PercentageYield AS OF November 18, 2009.
• CHRISTMAS CLUB ACCOUNTS CURRENTLY EARN 1.25% APR* ANNUAL DIVIDEND.
• VACATION CLUB ACCOUNTS CURRENTLY EARN 1.25% APR* ANNUAL DIVIDEND.
• UP TO $5000.00 LIFE INSURANCE ON REGULAR SHARES AND CERTIFICATES OF DEPOSIT FOR THOSE THAT QUALIFY.
• DIVIDENDS ARE SUBJECT TO CHANGE, CALL THE OFFICE FOR CURRENT RATES.
• WHEN A NEW BABY ACCOUNT IS OPENED { UP TO 6 MOS OLD}, THE CREDIT UNION WILL ALSO DEPOSIT $25.00.

 LOANS

• FULLY 100% SHARE SECURED LOANS—4.50% APR*. MAXIMIUM TERM 120 MONTHS.
• NEW 2010 AND 2011 VEHICLE LOANS—4.99% {NEW VEHICLES OVER $15,000.00 CAN BE FINANCED UP TO 72 MONTHS}.
• USED VEHICLES ALL MODEL YEARS- 4.99% APR* CAN ALSO BE FINANCED FOR UP TO 72 MONTHS IF COST IS OVER $15,000.00.
• SPECIAL LOAN - $3000.00 @ 9.00% APR 36 MONTHS.
• OPEN-END LINE OF CREDIT LOANS—11% APR*.
• HOME EQUITY LOANS---84 MONTHS 5.25%APR* AND 85 TO 120 MONTHS 6.49% APR*{MINIMUM $20,000.00 AND MAXIMUM $40,000.00 PER PROPERTY}
• REGULAR CONSUMER PERSONAL LOANS 9.75%APR*. MAXIMUM TERM 60 MONTHS, MAXIMUM AMOUNT $7500.00.
• MULTIPLE LOANS TO THOSE THAT QUALIFY. MUST HAVE $200.00 IN SHARES FOR EACH LOAN.
• LOAN PROTECTION INSURANANCE AVAILABLE AS A MEMBER PAY OPTION.
• CREDIT DISABILITY INSURANCE AVAILABLE AS A MEMBER PAY OPTION.
• GAP INSURANCE AVAILABLE AS A MEMBER PAY OPTION.
• * ANNUAL PERCENTAGE RATE { RATES SUBJECT TO CHANGE WITHOUT NOTICE}.

   VISA CARDS

• 9.90% APR* {STUDENTS CAN APPLY FOR $1000.00 CARD}
• NO ANNUAL FEE
• PAY BY PHONE
• PAY ON LINE- EzCardInfo.com
• MUST MAINTAIN A SHARE ACCOUNT WITH THE CREDIT UNION.

   OTHER ADVANTAGES OF YOUR MEMBERSHIP

• PAYROLL DEDUCTION TO ALL MEMBERS.
• MEMBERSHIP OPEN TO ALL MEMBERS OF YOUR FAMILY.
• YOUR CREDIT UNION SAVINGS INSURED  TO  $250,000.00  BY THE NATIONAL CREDIT UNION ADMINISTRATION, A US GOVERNMENT AGENCY.
• YOU AND YOUR FAMILY RECEIVE UP TO DATE INFORMATION THROUGH QUARTERLY NEWSLETTERS.
•  AD&D INSURANCE OF $3000.00 FOR EACH MEMBER OF THE CREDIT UNION FREE OF CHARGE.

                                                                                       Reviewed January 12, 2010