Deposit accounts must maintain a $2,500.00 balance to receive a monthly dividend.  Assesed fees could affect annual yield.  Up to 90 day penalty for early withdrawal on certificate of deposit accounts.

HOME BANKING AUTOMATIC VOICE RESPONSE, TOLL FREE: 866-504-1709

EFFECTIVE OCTOBER 3, 2008: Your individual deposits are federally insured to at least $250,000.00 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

IRAs insured to at least $250,000.00 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

APY = Annual Percentage Yield

INDIVIDUAL RETIREMENT ACCOUNTS

A tax sheltered retirement plan.

• Insured up to $250,000.00 by the full faith and credit of the United States Government 
• No loading fees
• No annual fees for maintaining the account
• No hidden penalties for early withdrawal (other than those by IRS)
• Deposits can be made through the convenience of payroll deduction
• Earnings paid and compounded quarterly

APR = Annual Percentage Rate

Program	Rates
Loan Secured by Shares	5.00% APR up to 60 months
Vehicles 2008-2011	3.49% APR up to 24 months
Vehicles 2008-2011	4.00% APR up to 60 months
Vehicles 2008-2011	4.25% APR up to 72 months
Vehicles 2003-2007	4.60% APR up to 60 months
Vehicles 2000-2002	5.00% APR up to 60 months
Vehicles 1999 and Below	5.875% APR up to 48 months
Line of Credit	8.00% - 11.00%  APR
Home Improvement	5.875% APR up to 120 months
30 Year Fixed 1st Mortgage*	4.05% APR
15 Year Fixed 1st Mortgage*	3.85% APR
5 Year Fixed Balloon 1st Mortgage*	3.675% APR, Amortized Over 30 Years
Home Equity Line of Credit(Program Suspended)	PRIME RATE as published in the WSJ**, PLUS 1.00% MIN APR is 5.00%; MAX APR is 12.00%
New Boats 2009-2011	5.15% APR up to 120 months
Boats 2008 and older	5.55% APR up to 120 months
Recreational Vehicles	5.75% - 8.% APR
VISA Platimum Preferred	6.87 % APR

Construction Federal Credit Union expressly prohibits unlawful gambling through any of our products. Members may find it helpful to familiarize themselves with The Unlawful Internet Gambling Enforcement Act (UIGEA) and Regulation GG.

Rates are subject to change to meet market conditions.  

*Our general maximum loan to value on real estate mortgages is 80%, exceptions on a limited case by case basis.  Loans under $100,000.00, add .50 basis points to rate. Mortgages must be primary residence only. 1 point is charged on internal refinances.

 **The initials stand for the Wall Street Journal, which surveys large banks and publishes the consensus prime rate. The Journal surveys the 30 largest banks, and when three-quarters of them (23) change, the Journal changes its rate, effective on the day the Journal publishes the new rate. It's the most widely quoted measure of the prime rate, which is the rate at which banks will lend money to their most-favored customers. The prime rate will move up or down in keeping with changes made by the  Federal Reserve Board.

***To be eligible to receive a $50.00 "bonus" for the establishment of direct deposit, the member must be establishing direct deposit for the first time with CFCU, be directing the full net amount of a payroll, government social security or recognized retirement plan for deposit with CFCU, no bonus will be released before a good faith record of not less than six (6) months has been observed with the member.