ATM LOCATION DIRECTORY

Lending Rates

UCF FCU is a division of CFE Federal Credit Union. All loans are financed by CFE FCU.

Auto, Motorcycle, Boat, and RV Rates

Loan Type	Maximum Term	APR As Low As
New Auto	72 Months	3.24%
Auto Promotion (2008 or newer vehicle)	36 Months	1.99%
Used Auto	72 Months	3.24%
New Motorcycle	72 Months	6.24%
Used Motorcycle	72 Months	6.74%
New RV	84 Months	7.75%
Used RV	84 Months	8.25%
New Boat	84 Months	6.75%
Used Boat	84 Months	7.25%

Personal Rates

Loan Type	Maximum Term	APR As Low As
Personal Line of Credit	Revolving	10.50%

Rates are current as of December 16, 2011

*Total aggregate unsecured debt with CFE cannot exceed $25,000.

**Based on vehicle/vessel year and/or amount borrowed. Maximum term may be less than stated and is determined by the specific loan request made.

All loan rates are subject to change without notice. All loan rates are based on an Annual Percentage Rate (APR). Monthly CFE loans are calculated using the Simple Interest Method. Interest is calculated on the monthly unpaid balance. All loans are subject to qualification of the borrower. Monthly payment amount based upon maximum term. A loan set up fee will be charged on all loans except real estate, share, certificate and line of credit loans. The fee is 2% of the loan amount issued with a minimum fee of $10 and a maximum fee of $35. This loan set up fee will affect the APR shown.

Mortgage Rates

Loan Type	Interest Rate	APR*	Points
5 Year Refinance (Low Closing Cost) **	2.990%	2.990%	0.000
10 Year Refinance (Low Closing Cost) **	3.990%	3.990%	0.000
10 Year Fixed Rate	3.125%	3.306%	0.000
15 Year Fixed Rate	3.250%	3.375%	0.000
15 Year Fixed Rate	3.125%	3.396%	1.000
20 Year Fixed Rate	3.875%	4.003%	0.000
20 Year Fixed Rate	3.750%	3.994%	1.000
30 Year Fixed Rate	4.000%	4.092%	0.000
30 Year Fixed Rate	3.875%	4.051%	1.000
30 Year FHA Fixed Rate	4.000%	5.028%	0.000
15 Year FHA Fixed Rate	3.250%	4.015%	0.000
3/1 Year Adjustable Rate	2.625%	2.907%	0.000
3/1 Year Adjustable Rate	2.500%	2.959%	1.000
5/1 Year Adjustable Rate	2.750%	2.918%	0.000
5/1 Year Adjustable Rate	2.625%	2.954%	1.000
7/1 Year Adjustable Rate	3.000%	3.019%	0.000
7/1 Year Adjustable Rate	2.875%	3.041%	1.000
10/1 Year Adjustable Rate	3.500%	3.345%	0.000
10/1 Year Adjustable Rate	3.375%	3.349%	1.000
HLPR 30-Year Fixed Rate Purchase	3.750%	3.946%	0.000
HLPR 3/1 ARM	3.375%	3.051%	N/A
Undeveloped Land (Lot Loan)	8.250%	8.396%	N/A

Home Equity Rates

Loan Type	Interest Rate as low as	APR*
First-Lien HELOC **	3.250%	3.250%
Home Equity Line of Credit (HELOC)***	4.000%	4.000%

Second Mortgage Rates

Loan Type	Maximum Term	Rates as Low As	APR* as Low As
Second Mortgage	60 Months	4.000%	4.000%
Second Mortgage	120 Months	6.750%	6.750%
Second Mortgage	180 Months	7.500%	7.500%

Rates are current as of February 22, 2012

Jumbo loans (loans over $417,000.00) add 1.00 to published rate.

Loans with Loan To Value (LTV) above 90% add .25 to published rate.

*APR (Annual Percentage Rate) is based on the following assumptions unless otherwise noted:
First mortgage loans APR is calculated using a $120,000 loan amount with a $150,000 purchase price 80% Loan To Value.
Second mortgage loans APR is calculated using a $25,000 loan amount and term as indicated.
Lot Loans APR is calculated using a $25,000 loan amount, 70% LTV and a 60 month term.
HELOC loans have a minimum of 4% APR and is calculated using a $25,000.00 loan amount a 180 month term and based on a second lien position.

**LTV Restrictions. Home Equity Loans are based on Wall Street Journal (WSJ) Prime Rate.
***Rates based on WSJ Prime Rate.
Mortgages are underwritten to secondary market standards. Secondary market guidelines may require adjustments to interest rate, points paid or amount of down payment. Your rate, points and closing costs may vary based upon loan features, geography and/or other terms and conditions. Additional adjustments may be applicable based upon credit history, property value, mortgage product, property type or other factors. The interest rate and fees shown here are available to borrowers with an excellent credit history.

The interest rates, APRs, closing costs and discount points shown are subject to change without notice. Your APR will vary based on your final loan amount and finance charges.

MasterCard® Credit Cards

Card Type	Annual Fee	Fixed APR*
Gold	No annual fee	9.90%
Classic	No annual fee	13.90%

MasterCard Agreement
Rates are current as of December 1, 2011.
Total aggregate unsecured debt with UCF FCU cannot exceed $25,000.
*Annual Percentage Rates (APR). Certain restrictions apply. The rate you receive will be based on your credit history. All loans are subject to qualification of the borrower. The maximum APR will not exceed 18.00%. The Penalty APR will be applied to your account if you are 60 days past due and will apply until you make six consecutive minimum payments when due.