Index = 0.25
Rates for the month of January 1, 2008


Ask us about our Liberty Auto Loan Program, for brand new fuel efficient vehicles only. Rates as low as 4.99%**.


Loan Type Maximum Term
(years)		 APR*
(%)		 Variable Rate
(%)		 Payment per mo/$1,000 est.
(Fixed rate)
(w/credit life & dbl)
NEW AUTO 2009, 2008, 2007, 2006
Credit Score determine % of finance
For fixed rates:
725+ =120%
724-676=110%
675-626=105%
625-556=95%
526 or less 85%
Any loans financed over the percentages above will be at the variable rate.






36
48
60
66
72 (Min $20k)

84 (Min $25k)
2007-09




6.00
6.25
6.75
7.00
8.50

9.75




(INDEX+6) 10.00
(INDEX+6) 10.00
(INDEX+6) 10.00
(INDEX+6) 10.00
(INDEX+6) 10.00

(INDEX+6) 10.00




$32.07 E
$25.28 E
$21.41 E
$20.05 E
$19.61 E

$18.39 E
USED AUTO 2005, 2004, 2003
Credit Score determine % of finance
For fixed rates:
725+ =110%
724-676=100%
675-556=85%
555 or less 75%
Any loans financed over the percentages above will be at the variable rate.
36
48
60 (Min $15k)
66 (Min $20k)		 6.25
7.25
8.25
9.25

(INDEX+7) 10.00
(INDEX+7) 10.00
(INDEX+7) 10.00
(INDEX+7) 10.00

 $32.19 E
$25.76 E
$22.16 E
$21.20 E
AUTO 2002-2001
Credit Score determine % of finance
For fixed rates:
725+ =110%
724-676=100%
675-556=85%
555 or less 75%
Any loans financed over the percentages above will be at the variable rate.
24
36
48 (Min $15k)		 8.75
9.75
10.75		 (INDEX+8) 10.00
(INDEX+8) 10.00
(INDEX+8) 10.00		 $47.24 E
$33.87 E
$27.51 E
Any AUTO 2000 and older
 36 10.75 (INDEX+9) 10.00 $34.35 E

SPECIAL RATES FOR HYBRID VEHICLES .25% OFF FIXED LOAN RATES FOR 2006-2008 MODEL YEARS.

Discount .25% for using CFCU'S Premier Checking Account with Auto Pay

(Call Auto Connection to inquire about qualifying models)

Loan Type Maximum Term
(months)		 APR*
(%)		 Variable Rate
(%)		 Payment per mo/$1,000 est.
(Fixed rate)
(w/credit life & dbl)
Classic Auto
1975 or less
36
48
60
Over 60 months		 7.50
8.50
9.50


(INDEX+9) 10.00
 $32.79 E
$26.29 E
$22.81 E


** All CFCU Loans Include GAP Insurance at no Additional Charge **
(Limits Apply)

Contact any CFCU Loan Officer or our Auto Connection Dept. at:
607-257-3282 x267 or x275 or fax 607-257-8186

Note:

• The variable rate changes monthly according to the average annual return of the 26 week Treasury bill as determined by the U.S. Treasury's auction of Treasury bills during the previous month (10% floor).

• CFCU Community Credit Union reviews every loan application individually to insure fairness and compliance to CFCU policy.

• **Restrictions apply