Current Rates

Rates effective as of April 8, 2008.

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Deposits

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Savings & Checking Minimum Balance Dividend Rate APY* Member Savings§ $500-$4,999.99 0.15% 0.15%   $5,000-$9,999.99 0.15% 0.15%   $10,000-$24,999.99 0.30% 0.30%   $25,000+ 0.60% 0.60% Kids' Count $0-$499.99 0.15% 0.15%   $500-$4,999.99 0.15% 0.15%   $5,000-$9,999.99 0.15% 0.15%   $10,000-$24,999.99 0.30% 0.30%   $25,000+ 0.60% 0.60% Premier 10 Checking§ $500-$9,999.99 0.15% 0.15%   $10,000+ 0.30% 0.30% Plus Checking§** $5,000.00+ 0.30% 0.30% Vacation Club§ $500 - $4,999.00 0.15% 0.15%   $5,000 - $9,999.00 0.15% 0.15%   $10,000 - $24,999.00 0.30% 0.30%   $25,000+ 0.60% 0.60% Holiday Club none 0.30% 0.30% Traditional Money Market Account§ $500-$1,999.99 0.25% 0.25%   $2,000-$19,999.99 1.00% 1.00%   $20,000+ 1.98% 2.00% Money Market 2006§ $10,000+ 1.73% 1.75% Money Market Plus Account§** $35,000+ 2.22% 2.25% Money Market Ultra Account§** $75,000+ 2.96% 3.00% Premier Advantage Money Market§ $50,000+ 3.44% 3.50%

*APY = Annual Percentage Yield. Rates are subject to change without notice. Deposits are insured up to $100,000 by the NCUA.
§ Should the balance fall below the ones listed, the interest rate will become 0.00%  APY. ** Product currently not offered to new depositors. Rate applies to existing products only.

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Share Certificates and Individual Retirement Accounts Minimum Balance Dividend Rate APY* 3 Month Certificates & IRAs $500.00+ 2.54% 2.57% 6 Month Certificates & IRAs $500.00+ 2.71% 2.75% 12 Month Certificates & IRAs $500.00+ 2.85% 2.88% 18 Month Certificates & IRAs $500.00+ 2.95% 2.98% 24 Month Certificates & IRAs $500.00+ 2.79% 2.82% 36 Month Certificates & IRAs $500.00+ 2.85% 2.88% 48 Month Certificates & IRAs $500.00+ 3.04% 3.08% 60 Month Certificates & IRAs $500.00+ 3.11% 3.15% Individual Retirement Accounts Only Minimum Balance Dividend Rate APY* Advantage IRA Accumulation Account none 1.00% 1.00%

*APY = Annual Percentage Yield. Rates are subject to change without notice. Non-IRA deposits are insured up to $100,000 and IRA deposits up to $250,000 by the NCUA.
 

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Loans

Prime Rate is 5.00%

Rates effective as of May 5, 2008.

Consumer Loans Term APR* New Auto 36 mos. 5.75%   48 mos. 5.75%   60 mos. 5.75%   72 mos. 5.99% Used Auto 36 mos. 5.75%   48 mos. 5.75%   60 mos. 5.75% New Motorcycle 36 mos. 5.75%   48 mos. 5.75%   60 mos. 5.75%   72 mos. 5.99% Used Motorcycle 36 mos. 5.75%   48 mos. 5.75%   60 mos. 5.75% Signature Loan up to 60 mos. 11.90% FlexLine (adjusted quarterly) Prime + 4% 9.00% Shared Secured   5.00% Certificate Secured   3.00% over Certificate Rate Credit Card Services    Click here for current rate information

*APR = Annual Percentage Rate. Rates may vary and are subject to change. Rates are based on our reflective-based pricing program. The above disclosed rates are the lowest available to members that make automatic payments (AutoPay).

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Home Equity Rates Term   APR** Home Equity Loan 5 Years   6.49%   10 Years   7.25%   15 Years   7.75% NEW Home Equity Line of Credit finance 80% or less Prime Rate - 1% 4.00%   finance 81-90% Prime Rate +1% 6.00%

**APR = Annual Percentage Rate. Rates may vary and are subject to change. Rates are based on our reflective-based pricing program. The above disclosed rates are the lowest rates available to members that make automatic payments (AutoPay).

NEW Home Equity Line of Credit Rate includes a 2.0% discount for the first six months.

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 Mortgages

First Mortgages Points Rate APR** 30 Year Fixed Rate 0 5.875% 5.9580%   1 5.750% 5.9270%   2 5.625% 5.8955%   3 5.500% 5.8640% 20 Year Fixed Rate 0 5.750% 5.8540%   1 5.625% 5.8430%   2 5.500% 5.8340%   3 5.375% 5.8250% 15 Year Fixed Rate 0 5.250% 5.2610%   1 5.125% 5.2890%   2 5.000% 5.3170%   3 4.875% 5.3470% 10 Year Fixed Rate 0 5.250% 5.2610%   1 5.125% 5.2890%   2 5.000% 5.3170%   3 4.875% 5.3470%

 **APR = Annual Percentage Rate. Rates may vary and are subject to change. Rates are based on our reflective-based pricing program. The above disclosed rates are the lowest available to members that make automatic payments (AutoPay).
5% downpayment required except on 2 family (10%), 3-4 family (20%). Cash-out refinances between 70.01% and 80% LTV add 0.50% to the posted rate.  Cash-out refinances between 80.01% and 85% LTV add 0.75% to the posted rate.

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First Time Homebuyers Points Rate APR** Flex 97 - 3% Downpayment Required 0 6.125% 5.6270% *100% Financing 0 6.625% 6.1280% H/E Term 15 Years 9.750% 9.7500%

**APR = Annual Percentage Rate. Rates may vary and are subject to change. Rates are based on our reflective pricing program. The above disclosed rates are the lowest available to members that make automatic payments (AutoPay).

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Jumbo Rate Mortgages Points Rate APR** 30 Year Fixed Rate 0 6.375% 6.4615% 20 Year Fixed Rate 0 6.250% 6.3560% 15 Year Fixed Rate 0 5.750% 5.8770% 10 Year Fixed Rate 0 5.750% 5.8770%

**APR = Annual Percentage Rate. Rates may vary and are subject to change. Rates are based on our reflective-based pricing program. The above disclosed rates are the lowest available to members that make automatic payments (AutoPay).
Jumbo Rate Mortgages - Single Family Loans Over $417,000.00 (10-20% Downpayment Required).

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Adjustable Rate Mortgages (ARMs) Points Rate APR** 1/1 Year 0 4.375% 5.6750%   1 4.250% 5.7600%   2 4.125% 5.8470%   3 4.000% 5.9350% 3/1 Year 0 4.750% 5.5990%   1 4.625% 5.6700%   2 4.500% 5.7240%   3 4.375% 5.8150% 5/1 Year 0 5.250% 5.6410%   1 5.125% 5.6990%   2 5.000% 5.7590%   3 4.875% 5.8190%

**APR = Annual Percentage Rate. Rates may vary and are subject to change. Rates are based on our reflective-based pricing program. The above disclosed rates are the lowest available to members that make automatic payments (AutoPay).
Adjustable Rate Mortgages - Requires 10% Downpayment.

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Investment Property Points Rate APR** 30 Year Fixed Rate Only 0 7.375% 7.4670%

**APR = Annual Percentage Rate. Rates may vary and are subject to change. Rates are based on our reflective-based pricing program. The above disclosed rates are the lowest available to members that make automatic payments (AutoPay).
Investment Property - 30% Downpayment Required (1-4 Family owner and non-owner occupied). Cash-out refinances between 80.01% and 85% LTV add 0.75% to the posted rate.

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Notes: Private mortgage insurance (PMI) is required on mortgage loans without a 20% downpayment or 80% loan to value (LTV). Mortgage lending through FAA Eastern Region Federal Credit Union is for the following types of property: 1-4 family primary residences (including approved Condos and Townhomes) and Investment Properties; Co-ops do not qualify.

Members have the option of locking in their rate for 1% of the mortgage amount. This fee must be received within five days. If received after five days, the request will be considered void without the option of relocking at a later date. The fee is fully refundable at closing only if the loan is closed within 60 days of lock-in. All lock-in requests must be received no later than 10:00am est or become subject to the prevailing interest rate of the following business day. Lock-in cancellation is subject to the loss of fee, rate and option to re-lock at a later date. One time float-down option will be allowed prior to the commitment. This option will cost 1/4% of the loan amount and is non-refundable.