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APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Fee Schedule beginning March 1, 2010

Loan Rates
Members receive 1/4% off for automatic payment with direct deposit. Mortgage, home equity, overdraft line of credit, and credit card loans not included.

Rates as of June 22, 2010
Rate Description Term APR APR Type
TITLED VEHICLES 2 TO 7 YEARS AS LOW AS 3.99% Fixed
TITLED BOATS & RV's 2 TO 15 YEARS AS LOW AS 5.50% Fixed
UNSECURED (SIGNATURE) 3 TO 4 YEARS AS LOW AS 8.50% Fixed
UNSECURED (SIGNATURE)
($5,000.00 - $10,000.00) 		UP TO 5 YEARS AS LOW AS 8.90% Fixed
SHARE SECURED FROM SAVINGS VARIES 4.5% Fixed
HOME EQUITY-ADJUSTABLE RATE VARIOUS PRIME + 0 Variable
HOME EQUITY FIXED 10 Years 5.95% Fixed
HOME MORTGAGES
Call CUC Mortgage at
716-839-0701
www.cucmortgage.com		 VARIES CALL FOR RATES Fixed
VISA CREDIT CARD NO ANNUAL FEE 8.9% Fixed

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Certificates

Rates as of May 18, 2010 .
Rate Description Term Dividend Rates APY
$500.00 Minimum Deposit-Early Withdrawal 30 Day Dividend Penalty 6 month 0.50% 0.50%
$500.00 Minimum Deposit-Early Withdrawal 90 Day Dividend Penalty 1 Year 0.75% 0.75%
$500.00 Minimum Deposit-Early Withdrawal 90 Day Dividend Penalty 2 Years 1.00% 1.00%
$500.00 Minimum Deposit-Early Withdrawal 90 Day Dividend Penalty 3 Years 1.00% 1.00%

NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Savings/Shares Rates

Rates as of June 30, 2010
Rate Description Term Dividend Rates APY
CHRISTMAS CLUB   0.50% 0.50%
SHARES POSTED QUARTERLY 0.50% 0.50%
IRA SHARES POSTED QUARTERLY 1.50% 1.51%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.


Summer 2010 Newsletter

HUNTER'S HOPE
BENEFIT WALK
Saturday, Sept. 18, 2010
Beaver Island State Park,
Grand Island, NY
Registration at 8:30 AM
Opening pledge is $20.00 which includes snacks, lunch, activities and entertainment.

IRA SHARES
The Credit Union is now offering Traditional and Roth IRA's. Click here for rates.

DIRECT DEPOSIT
Call the credit union office for your correct 14 digit account number when signing up for direct deposit. Please do not use the VRU number found on your statement. This is only for Home Banking and Voice Response.

BENEFICIARY
Please contact the credit union to make sure the beneficiary information on your account is up to date.


HOLIDAY CLOSINGS
LABOR DAY
Monday, September 6, 2010
Closed

COLUMBUS DAY
Monday, October 11, 2010
Closed


ATTENTION!
DEBIT CARD USERS
HOLDS may be placed on your account for gas purchases (by the gas station) when you use your card as DEBIT, rather than CREDIT. These HOLDS can be as much as $70.00 to $150.00 and may not release for several days. This may cause other transactions to not clear your account, resulting in insufficient funds fees. Make sure to use your card as CREDIT when purchasing gas at the pump.

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