PROMOTIONAL RATES  |  DEPOSIT ACCOUNT RATES  |  LOAN RATES

Promotional Specials  ACCOUNT TYPE MINIMUM BALANCE ANNUAL PERCENTAGE RATE ANNUAL PERCENTAGE YIELD Accumulator - 12 Month $5.00 per week 0.77% 0.77%

Deposit Account Rates

Share Rates Anticipated as of March 29, 2010 Certificate of Deposit Rates as of March 29, 2010

Share Accounts ACCOUNT TYPE MINIMUM BALANCE ANNUAL PERCENTAGE RATE ANNUAL PERCENTAGE YIELD Regular Shares and Reg X $100.00 0.10% 0.10% Youth $25.00 0.25% 0.25% Education $100.00 0.10% 0.10% Christmas and Vacation Clubs $100.00 0.10% 0.10% Draft $500.00 0.00% 0.00%    Money Market Accounts ACCOUNT TYPE MINIMUM BALANCE ANNUAL PERCENTAGE RATE ANNUAL PERCENTAGE YIELD Money Market Checking - Tier I $1,000 to $4,999.99 0.55% 0.55% Money Market Checking - Tier II $5,000 to $24,999.99 0.75% 0.75% Money Market Checking - Tier III $25,000 or more 0.90% 0.90%    IRA Accounts ACCOUNT TYPE MINIMUM BALANCE ANNUAL PERCENTAGE RATE ANNUAL PERCENTAGE YIELD IRA Shares $100 0.40% 0.40% IRA Conduit and Education $100 0.40% 0.40% IRA Roth-Contribution and Conduit $100 0.40% 0.40% IRA SEP Accounts $100 0.40% 0.40%    IRA Certificates ACCOUNT TYPE MINIMUM BALANCE ANNUAL PERCENTAGE RATE ANNUAL PERCENTAGE YIELD 6 Month Regular $250 0.33% 0.33% 12 Month Regular $250 0.77% 0.77% 6 Month Jumbo $250 0.40% 0.40% 12 Month Jumbo $250 0.84% 0.84%         Share Certificates: Regular ACCOUNT TYPE MINIMUM BALANCE ANNUAL PERCENTAGE RATE ANNUAL PERCENTAGE YIELD 3 Month $500 0.23% 0.23% 6 Month $500 0.33% 0.33% 9 Month $500 0.43% 0.43% 12 Month $500 0.77% 0.77% 18 Month $500 N/A N/A 24 Month $500 1.21% 1.22% 30 Month $500 N/A N/A 36 Month $500 1.61% 1.62% 48 Month $500 2.51% 2.53% 60 Month $500 2.80% 2.83%    Share Certificates: Jumbo ACCOUNT TYPE MINIMUM BALANCE ANNUAL PERCENTAGE RATE ANNUAL PERCENTAGE YIELD 3 Month $10,000 0.30% 0.30% 6 Month $10,000 0.40% 0.40% 9 Month $10,000 0.50% 0.50% 12 Month $10,000 0.84% 0.84% 18 Month $10,000 N/A N/A 24 Month $10,000 1.28% 1.29% 30 Month $10,000 N/A N/A 36 Month $10,000 1.68% 1.69% 48 Month $10,000 2.58% 2.60% 60 Month $10,000 2.87% 2.90% PROMOTIONAL RATES  |  DEPOSIT ACCOUNT RATES  |  LOAN RATES  |  TOP

Loan Rates

Rates are subject to change. Membership eligibility is required.

Secured Loans (Autos, Boats, Motorcycles, etc.)  TERM  LOWEST ANNUAL PERCENTAGE RATE HIGHEST ANNUAL PERCENTAGE RATE 24 Months  4.00% 15.25% 36 Months  4.25% 15.50% 48 Months  4.35% 15.60% 60 Months  4.45% 9.70% 66 Months  4.55% 8.30% 72 Months  4.80% 5.05% 84 Months  N/A N/A Late Fee: You will be charged a late fee of $25.00 if you are over 10 days past due. Collection Costs: You promise to pay all costs of collecting the amount you owe under promissory note to the extent permitted by State law. As a condition of receiving collateral loans, you must obtain full insurance coverage on any secured loan.   Share Secured Loans  TERM  LOWEST ANNUAL PERCENTAGE RATE   Unlimited repayment period  4.00%      Unsecured Loans  TERM  LOWEST ANNUAL PERCENTAGE RATE HIGHEST ANNUAL PERCENTAGE RATE 12 to 60 Months  11.00% 17.00%               Home Equity Loans Up to 10 Years  PERCENT OF EQUITY TYPE LOWEST ANNUAL PERCENTAGE RATE HIGHEST ANNUAL PERCENTAGE RATE Up to 70% Variable 3.25% 7.75% Up to 70% Fixed 4.75% 8.75% Up to 80% - 90% Variable N/A N/A Up to 80% - 90% Fixed N/A N/A Up to 100% Variable N/A N/A Up to 100% Fixed N/A N/A    First Mortgage Loans  Due to fluctuating rates, please call ACFCU for a First Mortgage Rate quote.

PROMOTIONAL RATES  |  DEPOSIT ACCOUNT RATES  |  LOAN RATES  |  TOP