Two Great Options!

1. Home Equity Loan

Transfer all your higher-rate debt to a CFCU Home Equity Loan. Benefit from a low rate, the convenience of one monthly payment and tax deductibility of interest.*

2. Visa Balance Transfer

If high credit card debt is your main concern, and you don’t want to use the equity in your home, CFCU’s Visa Balance Transfer** is the answer. Compare our rate to your current
bank or merchant credit card rate!

Just download a transfer form and mail it or take it to any branch.

All-in one debt consolidation…the New Year’s “Real Solution” to savings! For more information or to apply, visit any branch or simply apply online.

APR = Annual Percentage Rate. These special rates start February 1, 2010.

* Home Equity Special — Rates good through 3/31/10. No closing costs with 3-year recapture, 85% maximum loan-to-value, owner occupied only. Payment per $1,000 at 5.50% for 60 months = $19.10. No refinances of CFCU loans allowed. Regarding tax deductibility, consult your tax advisor for details.

** Visa Balance Transfer Special— Annual Percentage Rate is good for the life of the transfer from another credit card only. Balance transfers will be treated as cash advances according to the terms set forth in the CFCU VISA Credit Card Agreement. All other terms of the CFCU VISA Agreement continue to apply.

To earn special rates, you must have or open a Premiere Checking account with autopay.

The Credit Union reviews every loan application individually to ensure fairness and compliance to CFCU policy.