Central One FCU

DIVIDEND RATES

Rates Effective - 12/15/09
Share Rates	Dividend	APY**
Regular Share, Club Accounts & Escrow	0.20%	0.20%
Maxi Fund Account	0.69%	0.70%
Share Draft (Checking)	0.10%	0.10%
Traditional & Roth IRA Share	0.20%	0.20%
Coverdell Education Account	0.20%	0.20%

Certificate Rates	Dividend	APY**
6 Months (includes IRA & Coverdell accounts)	1.24%	1.25%

1 Year (includes IRA & Coverdell accounts)	1.53%	1.55%

2 Year (includes IRA & Coverdell accounts)	1.98%	2.00%

3 Year (includes IRA & Coverdell accounts)	2.37%	2.40%

5 Year (includes IRA & Coverdell accounts)	2.71%	2.75%

Senior Sense Certificates*
6 Month Certificate	1.73%	1.75%
One Year Certificate	2.03%	2.05%
Two Year Certificate	2.47%	2.50%
Three Year Certificate	2.86%	2.90%
Five Year Certificate	3.20%	3.25%

* 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 certificate rates are fixed for the length of the term. Certificates up to and including a 1 year term are subject to an early withdrawal penalty of 3 months’ dividend. Certificates over a one year term are subject to an early withdrawal penalty of six months’ dividend.
Share dividend rates are accurate as of the last dividend declaration date.
All accounts, except certificate 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 12/29/09 and are subject to change anytime, without notice

Fixed Term Rate
Points APR***

10 Year 4.750% 0 4.787%

4.500% 1 4.754%

4.250% 2 4.722%

6.250% NCC* 6.250%

15 Year 4.750% 0 4.776%

4.500% 1 4.677%

4.375% 2 4.704%

6.250% NCC* 6.250%

20 Year 5.375% 0 5.396%

5.125% 1 5.267%

4.875% 2 5.137%

6.750% NCC* 6.750%

30 Year 5.375% 0 5.390%

5.250% 1 5.355%

5.125% 2 5.320%

6.750% NCC* 6.750%

Adjustable Rate (ARM) Margin/Index

1/1 Year (up to 40 year term)
(Under 75% LTV) 3.500% 0 2.707%
2/5 caps 2.00/0.41

1/1 Year (up to 40 year term)
(Over 75% LTV) 3.750% 0 2.955%
2/5 caps 2.25/0.41

3/3 Year (up to 40 year term)
(Under 75% LTV) 4.125% 0 3.657%
2/5 caps 2.00/1.49

3/3 Year (up to 40 year term)
(Over 75% LTV) 4.375% 0 3.906%
2/5 caps 2.25/1.49

5/1 Year (up to 40 year term)
(Under 75% LTV) 4.625% 0 3.344%
2/5 caps 2.00/0.41

5/1 Year (up to 40 year term)
(Over 75% LTV) 4.875% 0 3.599%
2/5 caps 2.25/0.41

10/5 Year (up to 40 year term)
(Under 75% LTV) 4.875% 0 4.617%
2/5 caps 2.00/2.50

10/5 Year (up to 40 year term)
(Over 75% LTV) 5.125% 0 4.867%
2/5 caps 2.25/2.50

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 Home Buyers Call or email for current rates.

No Closing Costs 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 12/15/09 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 PRIME rate is published on the last business day of each month
in the Wall Street Journal and may vary monthly -
currently PRIME is 3.25%.
(Effective: 12/17/08)
Floor rate is 3.25%.

Central One pays all closing costs for properties within Worcester County, except appraisal.
Appraisal required if LTV of the new loan is greater than 70% 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%
Home Equity Loans APR*
Up to 70% 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 12/15/09 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.(^Based on credit and other factors)

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* Estimated payment per $1000 borrowed
24 to 72** month terms available As Low As
4.25% APR^^ $29.63 (based on 36 month term)

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

New Vehicles APR*
24 to 72** month terms available As Low As
5.25% APR^^ $30.08 (based on 36 month term)

Motorcycles
New or Used models APR*
24 to 72** month terms available As Low As
6.000% APR^^ $30.42 (based on 36 month term)

Boat and Recreational Vehicles - New or Used
5 to 15 year terms available As Low As
5.125% APR^^ $18.92 (based on 60 month term)

Signature Loan (Up to 5 year term) As Low As
7.50% APR^^ $45.00 (based on 24 month term)
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 $14.06 (based on 120 month term)
Central One Student Loan 9.00% APR $12.66 (based on 120 month term)

* 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	4.750%	0	4.787%
	4.500%	1	4.754%
	4.250%	2	4.722%
	6.250%	NCC*	6.250%
15 Year	4.750%	0	4.776%
	4.500%	1	4.677%
	4.375%	2	4.704%
	6.250%	NCC*	6.250%
20 Year	5.375%	0	5.396%
	5.125%	1	5.267%
	4.875%	2	5.137%
	6.750%	NCC*	6.750%
30 Year	5.375%	0	5.390%
	5.250%	1	5.355%
	5.125%	2	5.320%
	6.750%	NCC*	6.750%
Adjustable Rate (ARM)				Margin/Index
1/1 Year (up to 40 year term) (Under 75% LTV)	3.500%	0	2.707% 2/5 caps	2.00/0.41
1/1 Year (up to 40 year term) (Over 75% LTV)	3.750%	0	2.955% 2/5 caps	2.25/0.41
3/3 Year (up to 40 year term) (Under 75% LTV)	4.125%	0	3.657% 2/5 caps	2.00/1.49
3/3 Year (up to 40 year term) (Over 75% LTV)	4.375%	0	3.906% 2/5 caps	2.25/1.49
5/1 Year (up to 40 year term) (Under 75% LTV)	4.625%	0	3.344% 2/5 caps	2.00/0.41
5/1 Year (up to 40 year term) (Over 75% LTV)	4.875%	0	3.599% 2/5 caps	2.25/0.41
10/5 Year (up to 40 year term) (Under 75% LTV)	4.875%	0	4.617% 2/5 caps	2.00/2.50
10/5 Year (up to 40 year term) (Over 75% LTV)	5.125%	0	4.867% 2/5 caps	2.25/2.50
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 Home Buyers	Call or email for current rates.
No Closing Costs	Call or email for current rates.

Rates are effective 12/15/09 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 PRIME rate is published on the last business day of each month in the Wall Street Journal and may vary monthly - currently PRIME is 3.25%. (Effective: 12/17/08) Floor rate is 3.25%. Central One pays all closing costs for properties within Worcester County, except appraisal. Appraisal required if LTV of the new loan is greater than 70% 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%
Home Equity Loans	APR*
Up to 70% of Appraisal Value** Terms up to 15 years	As Low As 5.49%^^

Rates are effective 12/15/09 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.(^Based on credit and other factors) 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*	Estimated payment per $1000 borrowed
24 to 72** month terms available	As Low As 4.25% APR^^	$29.63 (based on 36 month term)
Motor vehicle Acquisition Plan (M.A.P.)
New Vehicles	APR*
24 to 72** month terms available	As Low As 5.25% APR^^	$30.08 (based on 36 month term)

Motorcycles
New or Used models	APR*
24 to 72** month terms available	As Low As 6.000% APR^^	$30.42 (based on 36 month term)

Boat and Recreational Vehicles - New or Used
5 to 15 year terms available	As Low As 5.125% APR^^	$18.92 (based on 60 month term)

Signature Loan (Up to 5 year term)	As Low As 7.50% APR^^	$45.00 (based on 24 month term)
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	$14.06 (based on 120 month term)
Central One Student Loan	9.00% APR	$12.66 (based on 120 month term)

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!