UNIVERSAL FEDERAL CREDIT UNION
Loans
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Effective April 14, 2008

Mortgage Rates

Please contact us about our fixed mortgage rates.

New Vehicle** Rates may be as low as . . . 5.7%*

Used Vehicle** Rates may be as low as . . . 6.2%*

Personal Lending Rates may be as low as . . .10% *

Vacation Lending Rates may be as low as . . .8.0%* for 12 months

Computer Loan Rates may be as low as . . .9.0% * for 36 months

* All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness.

** NADA Loan value preferred but some exceptions can be made with GAP insurance added as an alternative solution. Maximum term to be determined by the credit committee with attention to the age of the vehicle.

Shares

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Effective November 6, 2008

Rates are Subject to change.
Your Savings Federally Insured for $100,000, National Credit Union Administration a U.S. Government Agency
Federally Insured by NCUA

Regular Share / Special Savings Account

Balance
Rate
APY
$100.00 - $5,000.00
1.00%
1.00%
over $5,000.00
1.20%
1.20%

Share Certificate / IRA Certificate 

Term
Rate
APY
6 - month
2.00%
2.02%
9 - month

N/A

N/A
12 - month
2.70%
2.73%
21 - month
3.00%
3.04%
24 - month
2.85%
2.88%
36 - month
2.75%
2.78%
48 - month
2.75%
2.78%
31 - month
3.25%
3.29%

IRA  
Rate
APY
3.25%
3.29%

APY = Average Percent Yield