Central One FCU

DIVIDEND RATES

Rates Effective - 11/18/08
Share Rates	Dividend	APY**
Regular Share, Club Accounts & Escrow	0.39%	0.40%
Maxi Fund Account	1.09%	1.10%
Share Draft (Checking)	0.20%	0.20%
Traditional & Roth IRA Share	0.39%	0.40%
Coverdell Education Account	0.39%	0.40%

Certificate Rates	Dividend	APY**
6 Months (includes IRA & Coverdell accounts)	2.96%	3.00%

1 Year (includes IRA & Coverdell accounts)	3.20%	3.25%

2 Year (includes IRA & Coverdell accounts)	3.54%	3.60%

3 Year (includes IRA & Coverdell accounts)	3.73%	3.80%

5 Year (includes IRA & Coverdell accounts)	4.02%	4.10%

Senior Sense Certificates*
6 Month Certificate	3.44%	3.50%
One Year Certificate	3.68%	3.75%
Two Year Certificate	4.02%	4.10%
Three Year Certificate	4.21%	4.30%
Five Year Certificate	4.50%	4.60%

* To be eligible for Senior Sense certificates, Direct Deposit of Social Security or Pension in to a Central One Share Draft account is required. Senior Sense certificate minimum balance is $10,000.

**APY =Annual Percentage Yield. The APY on all Certificates assumes that dividends remain in the account until maturity. Certificates have a $1,000.00 minimum, excludes Senior Sense certificate. All certificates are subject to an early withdrawal penalty of 3 months' dividends.
Share dividend rates are accurate as of the last dividend declaration date.
All accounts are considered variable rate accounts and rates are subject to change at any time without notice.
Fees may reduce earnings.

MORTGAGE RATES
Rates effective 11/21/08 and are subject to change anytime, without notice

Fixed Term Rate
Points APR***

10 Year 6.000% 0 6.038%

5.75% 1 6.010%

5.375% 2 5.857%

7.500% NCC* 7.500%

15 Year 6.000% 0 6.027%

5.750% 1 5.933%

5.500% 2 5.839%

7.500% NCC* 7.500%

20 Year 6.375% 0 6.396%

6.000% 1 6.147%

5.750% 2 6.021%

7.375% NCC* 7.375%

30 Year 6.375% 0 6.391%

6.000% 1 6.110%

5.750% 2 5.953%

7.375% NCC* 7.375%

40 Year 8.375% 0 8.391%

7.750% 1 7.857%

7.250% 2 7.443%

8.750% NCC* 8.750%

Adjustable Rate (ARM) Margin/Index

1/1 Year (up to 40 year term)
(Under 75% LTV) 4.250% 0 3.460%
2/5 caps 2.00/1.12

1/1 Year (up to 40 year term)
(75% LTV) 4.500% 0 3.708%
2/5 caps 2.25/1.12

3/3 Year (up to 40 year term)
(Under 75% LTV) 4.500% 0 4.035%
2/5 caps 2.00/1.63

3/3 Year (up to 40 year term)
(75% LTV) 4.750% 0 4.284%
2/5 caps 2.25/1.63

5/1 Year (up to 40 year term)
(Under 75% LTV) 5.250% 0 4.071%
2/5 caps 2.00/1.12

5/1 Year (up to 40 year term)
(75% LTV) 5.500% 0 4.325%
2/5 caps 2.25/1.12

10/5 Year (up to 40 year term) NEW!!
(Under 75% LTV) 5.625% 0 5.197%
2/5 caps 2.00/2.41

10/5 Year (up to 40 year term) NEW!!
(75% LTV) 5.875% 0 5.450%
2/5 caps 2.25/2.41

Land Loan Call for current rates.

Construction/Renovation Same as ARM rates

Fixed Rate Loan Limits
Effective Jan 1, 2008 1 Family - $417,000

2 Family - $533,850

3 Family - $645,300

4 Family - $801,950

1st Time Call or email for current rates.

Reduced Call or email for current rates.

* No Closing Costs, minimum loan amount $125,000.
*** Annual Percentage Rate

JUMBO Mortgage Rates are available. Call for rate information.

Note: Investment Rates will be higher. Call your Mortgage Specialist for quotes.

HOME EQUITY RATES

Rates are effective 11/18/08 and are subject to change anytime, without notice. Additional terms and conditions may apply to all loan types.
For pre-approval, call or apply online.

Home Equity Lines APR*
***The Home Equity Lines rates listed include a 1/2% discount.
You may qualify for 1/2% DISCOUNTon your Home Equity Line Rate
if you also have your first mortgage at Central One,
or if your Home Equity Line is the only mortgage on your home.

The PRIME rate is published on the last business day of each month
in the Wall Street Journal and may vary monthly -
currently PRIME is 4.00%.
(Effective: 10/31/08)

Central One pays all closing costs, except appraisal.
Appraisal required if LTV of the new loan is greater than
80% of Tax Assessment Value

If you live outside of Worcester County,
additional Appraisal Fees and Title Search Fees may apply.

Home Equity Loan rates listed include 1/4% discount for Direct Deposit and Electronic Loan Payment when the payment is taken from a Central One account.

Rates start as low as Prime - 1.5%***
Home Equity Loans APR*
Up to 80% of Appraisal Value**
Terms up to 15 years As Low As
5.49%^^

* Annual Percentage Rate
** Less 1st Mortgage Balance
^^ Actual rate will be determined based on credit history, term, loan to value and other factors.

CONSUMER LOANS

Rates are effective 11/18/08 and are subject to change anytime, without notice. Additional terms and conditions may apply to all loan types.

Qualified borrowers may borrow up to 110% of the NADA retail value on new & used auto loans, motorcycle loans and up to 80% of NADA retail value on Boat/RV loans.

The loan rates listed below (including Auto, Motorcycle, Boat/RV and Signature Loan)include a 1/4% discount for Direct Deposit and Electronic Loan Payment, when the payment is taken from a COFCU account.

We can refinance your existing loan and may be able to SAVE you MONEY! Call for information today!
For pre-approval, call, email, or apply online.

AUTO LOANS

New and Used Vehicles APR*
24 to 72** month terms available As Low As
4.99% APR^^

Motor vehicle Acquisition Plan (M.A.P.)

New Vehicles APR*
24 to 72** month terms available As Low As
5.99% APR^^

Motorcycles
New or Used models APR*
24 to 72** month terms available As Low As
6.000% APR^^

Boat and Recreational Vehicles - New or Used
5 to 15 year terms available As Low As
5.125% APR^^

Signature Loan As Low As
7.50% APR^^ Term - up to 5 years
Share/Maxi/Certificate Secured Share Rate + 3.00% APR Various Terms
Call or Email for Details
Personal Access Line (P.A.L.) Prime + 4% APR Call or Email for Details
Mobile Home (on leased land) 11.50% APR
Central One Student Loan 9.00% APR

* Annual Percentage Rate
** For vehicles $20,000 or more
^^Actual rate will be determined based on credit history, term, loan to value, and other factors.

VISA

VISA^® / Student VISA^® 13.99% APR
No Annual Fee
Earn Rewards on your purchases to use for food, merchandise & travel.
Same Rate on Purchases and Cash Advances.
For Pre-Approval Call,
Email, or Apply Online for a Central One Visa today!

Platinum VISA^® 8.99% APR
No Annual Fee
Earn Rewards for your purchases to use for food, merchandise & travel.
Same Rate on Purchases and Cash Advances.
For Pre-Approval Call,
Email, or Apply Online for a Central One Platinum Visa today!

Fixed Term	Rate	Points	APR***
10 Year	6.000%	0	6.038%
	5.75%	1	6.010%
	5.375%	2	5.857%
	7.500%	NCC*	7.500%
15 Year	6.000%	0	6.027%
	5.750%	1	5.933%
	5.500%	2	5.839%
	7.500%	NCC*	7.500%
20 Year	6.375%	0	6.396%
	6.000%	1	6.147%
	5.750%	2	6.021%
	7.375%	NCC*	7.375%
30 Year	6.375%	0	6.391%
	6.000%	1	6.110%
	5.750%	2	5.953%
	7.375%	NCC*	7.375%
40 Year	8.375%	0	8.391%
	7.750%	1	7.857%
	7.250%	2	7.443%
	8.750%	NCC*	8.750%
Adjustable Rate (ARM)				Margin/Index
1/1 Year (up to 40 year term) (Under 75% LTV)	4.250%	0	3.460% 2/5 caps	2.00/1.12
1/1 Year (up to 40 year term) (75% LTV)	4.500%	0	3.708% 2/5 caps	2.25/1.12
3/3 Year (up to 40 year term) (Under 75% LTV)	4.500%	0	4.035% 2/5 caps	2.00/1.63
3/3 Year (up to 40 year term) (75% LTV)	4.750%	0	4.284% 2/5 caps	2.25/1.63
5/1 Year (up to 40 year term) (Under 75% LTV)	5.250%	0	4.071% 2/5 caps	2.00/1.12
5/1 Year (up to 40 year term) (75% LTV)	5.500%	0	4.325% 2/5 caps	2.25/1.12
10/5 Year (up to 40 year term) NEW!! (Under 75% LTV)	5.625%	0	5.197% 2/5 caps	2.00/2.41
10/5 Year (up to 40 year term) NEW!! (75% LTV)	5.875%	0	5.450% 2/5 caps	2.25/2.41
Land Loan	Call for current rates.
Construction/Renovation		Same as ARM rates
Fixed Rate Loan Limits Effective Jan 1, 2008		1 Family - $417,000
		2 Family - $533,850
		3 Family - $645,300
		4 Family - $801,950
1st Time	Call or email for current rates.
Reduced	Call or email for current rates.

Rates are effective 11/18/08 and are subject to change anytime, without notice. Additional terms and conditions may apply to all loan types. For pre-approval, call or apply online.
Home Equity Lines	APR*	**The Home Equity Lines rates listed include a 1/2% discount. You may qualify for 1/2% DISCOUNTon your Home Equity Line Rate if you also have your first mortgage at Central One, or if your Home Equity Line is the only mortgage on your home. The PRIME rate is published on the last business day of each month in the Wall Street Journal and may vary monthly - currently PRIME is 4.00%.* (Effective: 10/31/08) Central One pays all closing costs, except appraisal. Appraisal required if LTV of the new loan is greater than 80% of Tax Assessment Value If you live outside of Worcester County, additional Appraisal Fees and Title Search Fees may apply. Home Equity Loan rates listed include 1/4% discount for Direct Deposit and Electronic Loan Payment when the payment is taken from a Central One account.
Rates start as low as	Prime - 1.5%***
Home Equity Loans	APR*
Up to 80% of Appraisal Value** Terms up to 15 years	As Low As 5.49%^^

Rates are effective 11/18/08 and are subject to change anytime, without notice. Additional terms and conditions may apply to all loan types. Qualified borrowers may borrow up to 110% of the NADA retail value on new & used auto loans, motorcycle loans and up to 80% of NADA retail value on Boat/RV loans. The loan rates listed below (including Auto, Motorcycle, Boat/RV and Signature Loan)include a 1/4% discount for Direct Deposit and Electronic Loan Payment, when the payment is taken from a COFCU account. We can refinance your existing loan and may be able to SAVE you MONEY! Call for information today! For pre-approval, call, email, or apply online.
AUTO LOANS
New and Used Vehicles	APR*
24 to 72** month terms available	As Low As 4.99% APR^^
Motor vehicle Acquisition Plan (M.A.P.)
New Vehicles	APR*
24 to 72** month terms available	As Low As 5.99% APR^^

Motorcycles
New or Used models	APR*
24 to 72** month terms available	As Low As 6.000% APR^^

Boat and Recreational Vehicles - New or Used
5 to 15 year terms available	As Low As 5.125% APR^^

Signature Loan	As Low As 7.50% APR^^	Term - up to 5 years
Share/Maxi/Certificate Secured	Share Rate + 3.00% APR	Various Terms Call or Email for Details
Personal Access Line (P.A.L.)	Prime + 4% APR	Call or Email for Details
Mobile Home (on leased land)	11.50% APR
Central One Student Loan	9.00% APR

VISA^® / Student VISA^®	13.99% APR	*No Annual Fee* Earn Rewards on your purchases to use for food, merchandise & travel. Same Rate on Purchases and Cash Advances. For Pre-Approval Call, Email, or Apply Online for a Central One Visa today!
Platinum VISA^®	8.99% APR	*No Annual Fee* Earn Rewards for your purchases to use for food, merchandise & travel. Same Rate on Purchases and Cash Advances. For Pre-Approval Call, Email, or Apply Online for a Central One Platinum Visa today!