AM Community Credit Union

Rates Effective: Apr. 28, 2008


	Rate*
24 – 72 Months	5.99%	2005 – 2008 Model Year
Rates, terms and financing limits are determined by credit history. Discount of .25% available for payments from an AMCCU checking account and .25% discount available for automatic payments. Additional rate discount available of .25% for American or Chrysler models, new purchase only.


	Rate*
24 – 60 Months	6.99%	1999 – 2004 Model Year
Rates, terms, and financing limits are determined by credit history. Discount of .25% available with AMCCU checking account and .25% discount available for automatic payments.


	Rate*	Term/Amortization
Any amount 2004-2008 Model Year	8.49%	48-72 Month Terms 60-120 Month Amortizations
Rate, term and financing limits are determined by credit history. Discount of .25% available with AMCCU checking account and .25% discount available for automatic payments.


	Rate*
	7.99% - 19.99%
Rates and credit limits from $500 - $25,000 are determined by credit history. Credit limits over $5,000 require an AMCCU checking account.


	Rate*
Secured	9.99%	Up to 60 Month Terms
Unsecured	11.99%	Up to 60 Month Terms
Rates, terms and credit limits are determined by credit history. Discount of .25% available for payments from an AMCCU checking account and .25%for automatic payments.


	Rate*	Payment
Shares (2 Year Balloon)	3.00% over earnings	$50 Minimum Payment
Certificate	3.00% over earnings	$50 Minimum Payment
Minimum loan amount of $500.


	Rate*	Term/Amortization
New or Used 10-20% Down Payment	8.99%	60 Month / 180 Month
Rates, terms and loan limits are determined by credit history. Discount of .25% available for payment from an AMCCU checking account and .25% for automatic payments.


	Rate*	Term/Amortization
New Purchase Only	5.99% - 8.99%	12 - 48 Month
Rates, terms and limits are determined by credit history. Loan amounts from $1,000 - $5,000.


Close-end (Fixed)	Rate*	Payment/Amortization
5 year Balloon, 90% or less LTV	7.24%	180 Month
5 year Balloon, 91-100% or less LTV†	8.74%	180 Month $25,000 Maximum

Close-end (Line of Credit)
5 year Balloon, 90% or less LTV	7.74%	1% Balance
(.50% discount available with AMCCU checking account and automatic payment)

Close-end (Rental Property)
5 year Balloon, 80% or less LTV	8.99%	120 Month $50,000 Maximum

Open-end (Line of Credit)
		90% or less LTV
$5,000 - $25,000	6.25%	1.5% Balance
> $25,000	5.25%	1.5% Balance
Rate discount of .25% available with an AMCCU checking account and .25% rate discount available for automatic payments (excludes lines of credit unless noted) Appraisal may be required for amounts over $25,000.00. Lines of credit carry a pro-rated $35 annual fee. †Maximum loan-to-value of 90% if first mortgage is held by AMCCU.


	Rate*	Amortization
1 Year Balloon	6.25%	180 Months
2 Year Balloon	6.75%	180 Months
3 Year Balloon	7.25%	180 Months
Appraisal required in most situations. 20% down payment and loan-to-value requirements may vary based on whether the loan is for purchase, for refinance, or first mortgage lien position. Discount of .25% available for automatic payments from an AMCCU checking account and .25% for automatic payments.


	Rate*	APR#	Amortization/ Origination Fee
Construction	5.54%	5.545%	12 Months - Interest Only
Adjustable Rates (1 Year)	5.54%	5.545%	360 Months**
Adjustable Rates (3 Year)	5.46%	5.465%	360 Months**
Adjustable Rates (5 Year)	5.95%	5.955%	360 Months**
Balloon (5 Year)	5.375%	5.613%	360 Months**
Balloon (7 Year)	5.625%	5.807%	360 Months**
Balloon - Rental Property (3 Year)	6.75%	7.124%	360 Months max 80% LTV
Balloon - Rental Property (5 Year)	7.00%	7.244%	360 Months max 80% LTV
Balloon - Rental Property (7 Year)	7.25%	7.440%	360 Months max 80% LTV
1.00% Origination Fee on all new Balloon Loans
Fixed Rate - 15 Year	5.625%	5.781%	1.00% Origination Fee**
#APR = Annual Percentage Rate including origination fee. **All loans up to 103% loan to value with private mortgage insurance unless specifically noted. Bi-weekly payments available, all loans are simple interest without pre-payment penalty. Loans are not sold to secondary market and do not require escrow accounts. Most loans close within 30 days. Adjustable rate loans are indexed to weekly U. S. Treasuries.

SPECIAL OFFERS


Close-end (Fixed)	Rate*	Payment/Amortization
3 year Balloon, 90% or less Loan-to-Value	6.49%**	180 Month
3 year Balloon, 91-100% Loan-to-Value†	7.99%**	180 Month (Maximum Loan $25,000)

Close-end (Line of Credit)
3 year Balloon, 90% or less Loan-to-Value	6.99%	1% Balance
(.50% discount available with AMCCU checking account and automatic payment)

Close-end (Rental Property)
3 year Balloon, 80% or less Loan-to-Value	8.24%**	120 Month (Maximum Loan $50,000)

*All rates are expressed as an annual percentage rate. Rates on special offers valid as of 02/20/08 and are subject to change.

**Rate discount of .25% available with AMCCU checking account and .25% rate discount available for automatic payments (excludes lines of credit unless noted).

†Maximum loan-to-value of 90% if first mortgage held by AMCCU. Appraisal may be required for amounts over $25,000.00. Lines of credit carry a pro-rated $35 annual fee.

All loans subject to normal credit review, membership restrictions apply. We do business in accordance with the Federal Fair Housing Law & Equal Credit Opportunity Act.

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