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Loan Rates are effective January 1, 2008. Rates are subject to change.

Reduce APR by .25% for automatic payment from a savings or checking account with Cal-Com

Federal Credit Union or with payroll deduction to your new or used vehicle loan.

Save time and energy--get Cal-Com FCU financing at the dealership!

Loans	From APR*	To APR*	Term Up To
New & Used Vehicles	6.000	9.750	72	Calculator
New & Used Boats	6.000	9.750	60	Calculator
New & Used Jet Skis	7.500	10.500	36	Calculator
New & Used Recreational Vehicles	7.250	11.750	84	Calculator
New & Used Motorcycles	6.000	9.750	60	Calculator
New & Used ATVs	7.500	10.500	36	Calculator
Furniture/Appliances/Computers	12.000	17.000	36	Calculator
Signature	12.000	17.000	24	Calculator
Miscellaneous Secured	7.500	10.500	n/a	Calculator
Farm Equipment/Lawn Tractors	7.500	10.500	36	Calculator
Mastercard	12.500	12.500	n/a	Calculator
Mastercard Gold	12.500	12.500	n/a	Calculator
VISA	12.500	12.500	n/a	Calculator
VISA Gold	12.500	12.500	n/a	Calculator

Actual rates are based on individual credit worthiness and length of loan. All loans are subject to credit approval. Rates and terms are subject to change without notice. *APR is Annual Percentage Rate.
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Savings rates are effective July 3, 2008 and are subject to change without notice.

Savings	Dividend Rate	APY*	Term
Regular Share/Savings Account	1.000	1.000	n/a
Christmas Club Account	0.750	0.750	n/a
Checking Account	0.500	0.500	n/a
Money Market Checking Account	2.000	2.020	n/a

Checking accounts require a minimum of $100.00 to open.
Regular savings require a minimum of $25.00 to open.
Money market checking requires a miminum of $2500.00 at all times.
Dividends are calculated and compounded daily and posted quarterly to regular shares, checking and christmas club and are posted monthly to the money market checking.
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Rates are effective July 3, 2008 and are subject to change without notice.

Certificates	Dividend Rate	APY*	Term
91 Day Certificate	2.000	2.020	3
26 Week Certificate	2.500	2.530	6
12 Month Certificate	2.750	2.780	12
18 Month Certificate	2.850	2.880	18
2 Year Certificate	3.250	3.290	24
3 Year Certificate	3.500	3.550	36
4 Year Certificate	3.750	3.800	48
5 Year Certificate	4.000	4.060	60
Vacation Club	1.000	1.000	9
IRA - 1 Year Certificate	2.750	2.780	12
IRA - 2 Year Certificate	3.250	3.290	24
IRA - 3 Year Certificate	3.500	3.550	36
IRA - 4 Year Certificate	3.750	3.800	48
IRA - 5 Year Certificate	4.000	4.060	60

All certificate accounts including IRAs require a $500.00 minimum balance to open.
Early withdrawal penalities may be imposed.
Certificates will automatically renew upon maturity at the current rate at that time.
Vacation Club accounts require a $25.00 minimum balance to open.
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