Loan Rates Effective July 1, 2010 - September 30, 2010
Save an additional .25% off rates if you make your loan payments via direct deposit/payroll deduction.  
Type Term APR** Notes
       
Summer Loan Special 0-36 mos. 7.00% Over $10,000 requires collateral
       
AUTO LOAN (1)  SPECIAL   100% Financing
New/Used 0-48 mos 4.50% New Vehicles (2010)/Used Vehicles (2005-2009)
New/Used 49-60 mos 4.75% New Vehicles (2010)/Used Vehicles (2005-2009)
New/Used 72 mos. 5.00% New Vehicles (2010)/used Vehicles (2005-2009) over $25,000.00
       
HOME IMPROVEMENT (2) 0-36 mos. 7.25% Over $10,000 requires collateral
       
DEBT CONSOLIDATION (2) 0-12 mos. 7.25% Over $10,000 requires collateral
  13-24 mos. 8.25% Over $10,000 requires collateral
  25-36 mos. 9.25% Over $10,000 requires collateral
       
       
PERSONAL 0-36 mos. 13.00% Over $10,000 requires collateral
       
SHAREDRAFT CHECKING Overdraft Line of Credit 14.00%  
       
HOME EQUITY* * Maximum Loan $50,000 - No Closing Costs - Fixed Rates    
  5 Years 5.25% LTV = 80%
  10 Years 5.50% LTV = 80%
       
EDUCATIONAL 0-36 mos. 7.25% College/University/School invoices required
  37-60 mos. 8.00% College/University/School invoices required
       
SHARE SECURED   Dividend + 3.00% Pledge share (savings) account as collateral
       
VISA CREDIT CARD    12.90% No Annual Fee - FIXED
(1)All vehicle loans require an insurance card and either a dealer purchase agreement or, if purchased through a private owner,  
   a copy of the title.  Auto loan amount not to exceed NADA value.
(2) Loan check must be made payable to the vendor/creditor.
* Maximum loan to value 80% of appraisal value of property.  If loan is cancelled, or equity requirements 
  are not met, applicant is responsible for the appraisal fee. 
**A.P.R = Annual Percentage Rate
Rate is based on credit "grade A", your actual rate may be higher based on your credit score.
Loan rate specials expire June 30, 2010, but CHCU reserves the right to withdraw special offers at any time.
 All rates are subject to change without notice. Some restrictions may apply.
Savings Rates Effective July 1, 2010
 Share Deposits APR* APY Notes
Account Type APR* APY  
Share  0.10% 0.10%  
Christmas Club  0.10% 0.10%  
Vacation Club  0.10% 0.10%  
Bond-A-Month  0.10% 0.10%  
       
CERTIFICATES OF DEPOSIT      
Term APR* APY Notes
6 month  0.60% 0.60% $1,000 minimum requirement
12 month  1.05% 1.05% $1,000 minimum requirement
18 month  1.39% 1.39% $1,000 minimum requirement
24 month  1.74% 1.74% $1,000 minimum requirement
**A.P.R = Annual Percentage Rate. Savings rates subject to change.