Rates

Rates effective for October 1, 2011 *
*Rates subject to change without notice after account is opened.

(A.P.R.= Annual Percentage Rate)
(A.P.Y.=Annual Percentage Yield)

Savings

There is a substantial early withdrawal penalty for failure to comply with certificate requirements.
Certificates are subject to change weekly.

Savings Account Rates
Account Type	Dividend Rate	A.P.Y.
IRA Account*	1.0%	1.02%
Christmas Club Account**
$1.00 - $4,000	.20%	.20%
$4001 - $10,000	.30%	.30%
$10,001 and Over	.70%	.70%
Regular Savings**
$1.00 - $4,000	.20%	.20%
$4001 - $10,000	.30%	.30%
$10,001 and Over	.70%	.70%
* Dividends on the IRA Account are established quarterly at a rate determined by the CCIT FCU Board of Directors. ** Dividends are established quarterly at a rate established by the CCITFCU Board of Directors. Requires $5.00 to open account. Dividends are computed on daily average balance and paid quarterly. Fees may reduce earnings. Funds on deposit at CCIT FCU are federally insured by the National Credit Union Administration up to $250,000, and IRA funds are separatedly insured to $250,000. For further details regarding these accounts, request a related disclosure or contact the credit union.

Loan Rates (Titled Autos, Trucks, Vans and Motorized RVs)
Year	Rates
2011-2010	2.99 - 7.25%*
2010-2009 (20,000 or less)	3.49 - 10.25%*
2010-2009 (+20,000)	5.00 - 11.00%*
2008-2006	5.00 - 11.00%*
2005-2004	6.00 - 13.00%*
2003-2002	6.25 - 13.25%*
2001-2000	7.00 - 14.00%*
1999 & Later	9.75 - 16.75%*
* Vehicle must be titled with credit union placed as lienholder and full insurance required. Vehicles 2000 and older the NADA Value shall be clean trade in, otherwise the established vlaue shall be clean retail.

Loan Rates (Titled Boats, Motors, Trailers, Campers, Horse Trailers, Utility Trailers)

Year

Rates

2010-2009 (<20,000)

5.00 - 11.00%*

2010-2009 (+20,000)

6.50 - 12.50%*

2010-2009 (40,000+)

7.50 - 13.50%*

2008-2006 (<20,000)

6.75 - 11.75%*

2008-2006 (+20,000)

7.00 - 13.00%*

2005-2003

8.00 - 14.50%*

2002 & Older

11.00 - 17.00%*

* Purchase must be titled with credit union placed as lienholder and full insurance required.

Untitled Watercraft, Campers, ATVs, Tractors, Lawnmowers
*UCC Filing Required

Year

Rates

Any Year

7.50 - 13.50%*

Other Loan Rates
Loan Type		A.P.R.
	Personal Amount based on member's qualifications	8.75 - 15.75% *
	$1,000 minimum any amount less than $1,000 to be finance in the Notes and Balances less $1,000 category
	Quick Pay
		8.00 - 14.00%*
	Home Improvement
		8.75 - 14.75%*
	Notes & Balances
	Less Than $1,000 or any amount less than 1 year	18.00%
	Share Secured
	Variable Rate	4.0 above shares secured
	Certificate Share Secured
	Certifcate rate +3.0% and term to match the certificate term.
	Pay Day Loan
	Will lend up to the member's pay roll deduction. The loan must be repaid the next pay day.	28.00%
	First Mortgage
	Contact office for daily rates
	Second Mortgage - 10 years
		5.00% - 11.00%**
	Home Equity Lines of Credit *
* Variable rate based on Prime as listed in the Wall Street Journal -0.50% $5,000 minimum and credit union paying closing costs. * Rate based on Prime as published in Wall St. Journal less one-half percent. Floor - 5.00% Ceiling - 15.00%
	BUY Downs: any rate exceeding
6.0% may have a 1/4% buy down for payroll deducting the payment