CCSD FCU - Rates Page

Effective March 28, 2008

Rates Are Subject To Change

SAVINGS RATES	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD
Prime Shares < $10,000	.25%	.25%
Prime Shares $10,000 to < $20,000	.50%	.50%
Prime Shares Over $20,000	.50%	.50%
Club Accounts	.25%	.25%
Money Market Account < $20,000	1.50%	1.51%
Money Market Account >$20,000	1.75%	1.76%
IRA Notice Account < $500	1.50%	1.51%
IRA Notice Account > $500	2.00%	2.02%

CHECKING ACCOUNT RATES	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD
Homestead	None	None
Town & Country	0.25%	0.25%

IRA/TERM SHARE ACCOUNTS <$20,000	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD
6 month	2.50%	2.53%
12 month	2.75%	2.78%
18 month	2.85%	2.89%
24 month	2.95%	2.99%
36 month	3.05%	3.09%
48 month	3.15%	3.20%
Youth Saver	2.75%	2.78%
Summer Pay	.75%	.75%

All accounts at CCSD Federal Credit Union are insured up to $100,000 by the NCUA, an agency of the Federal Government. All Traditional and Roth IRA accounts at CCSD are insured up to $250,000 by the NCUA.

IRA/TERM SHARE ACCOUNTS >$20,000
DIVIDEND RATE ANNUAL PERCENTAGE YIELD

6 month
2.60%

2.63%

12 month
2.85%

2.89%

18 month
2.95%

2.99%

24 month
3.05%

3.09%

36 month
3.15%

3.20%

48 month
3.25%

3.30%

All accounts at CCSD Federal Credit Union are insured up to $100,000 by the NCUA, an agency of the Federal Government. All Traditional and Roth IRA accounts at CCSD are insured up to $250,000 by the NCUA.

FIRST MORTGAGES --

Adjustable Rate Mortgages

RATE	ANNUAL PERCENTAGE RATE	POINTS
CALL FOR RATE

15 YEAR FIXED RATE

RATE	ANNUAL PERCENTAGE RATE	POINTS
CALL FOR RATE

First Mortgages through correspondent lender:

30/25 YEAR TERM – FIXED RATE

RATE	ANNUAL PERCENTAGE RATE	POINTS
CALL FOR RATE		0
CALL FOR RATE		1
CALL FOR RATE		2
CALL FOR RATE		3

20 YEAR TERM – FIXED RATE

RATE	ANNUAL PERCENTAGE RATE	POINTS
CALL FOR RATE		0
CALL FOR RATE		1
CALL FOR RATE		2
CALL FOR RATE		3

Rates on 1st mortgages can change daily, please call for the most current rates.

Through correspondent lender:

All purchases require 5% down payment. No cash out refinance requires 10% equity in property.
Cash out refinance requires 25% equity in property.

HOME EQUITY LOANS --

Fixed Rate:

TERM	ANNUAL PERCENTAGE RATE
5 Year	4.99%
10 Year	5.99%
12 Year	6.75%

Add .25% to each rate without automatic payment.

Line of Credit:

TERM	ANNUAL PERCENTAGE RATE
First year	6.85%
Subsequent years based on index	9.00% currently

LOAN RATES

TYPE	VAR. OR FIXED	MINIMUM ANNUAL PERCENTAGE RATE	MAXIMUM ANNUAL PERCENTAGE RATE	MAX TERM	MAXIMUM AMOUNT FINANCED
Auto (2006 & Newer)	F	3.99%	9.99%	36 months	108%
Auto (2006 & Newer)	F	4.25%	10.50%	48 months	108%
Auto (2006 & Newer)	F	4.75%	10.99%	60 months	108%
Auto (2006 & Newer)	F	5.25%	8.99%	66 months	108%
Auto (2006 & Newer)	F	5.75%	6.99%	72 months	108%
Auto (2001-2005)	F	4.50%	10.50%	36 months	108%
Auto (2001-2005)	F	4.75%	10.75%	48 months	108%
Auto (2001-2005)	F	5.25%	11.75%	60 months	108%
Auto (2001-2005)	F	5.99%	9.75%	66 months	108%
Auto( 2001-2005)	F	6.50%	7.75%	72 months	108%
Auto (2000 & Older)	F	9.50%	15.25%	48 months	100%
Smart Choice Auto	F	3.99%	10.99%	72 months	108%
Other (2006 & Newer)	F	3.99%	9.99%	36 months
Other (2006 & Newer)	F	4.25%	10.50%	48 months
Other (2006 & Newer)	F	4.75%	10.99%	60 months
Other (2006 & Newer)	F	5.25%	8.99%	66 months
Other (2001-2005)	F	4.50%	10.50%	36 months
Other (2001-2005)	F	4.75%	10.75%	48 months
Other (2001-2005)	F	5.25%	11.75%	60 months
Other (2001-2005)	F	5.99%	9.75%	66 months
Other (2006 & Newer)	V	5.25%	11.00%	61-180 months
Other (2001-2005)	V	6.00%	11.75%	61-180 months
Other (2000 & Older)	F	9.50%	15.25%	48 months
Share Secured	V	Rate + 3.00%		84 months
Term Share	F	Rate + 2.00%		84 months
VISA	F	13.44%		N/A	10,000.00
Personal	F	9.25%	16.25%	48 months	$250 - $10,000
Personal	V	9.99%	15.75%	60 months	$250-$10,000
Other Includes:	Mobile Homes,	Boats, Campers,	Motorcycles,	Recreation Vehicles,	Stock

Rates based upon credit worthiness

Last update 06/23/08

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CCSD FCU is federally insured to $100,000 by
NCUA, an Agency of the U.S. Government.

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We do business in accordance
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Duplication of information found within this site, is prohibited without express written permission from CCSD FCU. Any modification or redistribution of the material within is a violation of applicable copyright laws. Information is subject to change without notice. Additional restrictions may apply.

CCSD Federal Credit Union
218 Prescott Avenue, P.O. Box 2087
Elmira Heights, NY 14903
Phone: (607) 733 - 4624, Fax: (607) 733 - 2340

IRA/TERM SHARE ACCOUNTS >$20,000	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD
6 month	2.60%	2.63%
12 month	2.85%	2.89%
18 month	2.95%	2.99%
24 month	3.05%	3.09%
36 month	3.15%	3.20%
48 month	3.25%	3.30%

All accounts at CCSD Federal Credit Union are insured up to $100,000 by the NCUA, an agency of the Federal Government. All Traditional and Roth IRA accounts at CCSD are insured up to $250,000 by the NCUA.