Community Financial: Print View

Receive Basic Checking with no monthly fees if you
do any of the following:

Have monthly direct deposit of your paycheck, social security or pension check into this account
Maintain $500 in this account
Are a Member Rewards Club member with a minimum combined deposit/loan balance of $10,000+ (excluding first mortgage)
Join e-Club; this fee is waived when you do not use branches for routine transactions
Are a Student Club member age 16 to 20

Call (734) 453-1200 or toll free (877) 937-2328 for details.

Rates as low as ¼% below Wall Street Journal published prime rate

Prime minus .25% ( The Prime Rate as published in the Wall Street Journal -.25%) is available on loans of $25,000+ with a loan to value (LTV) of 80% or less. This includes a .25% discount received when payments are automatically deducted from a Community Financial checking account. Actual rate will be determined by credit history, LTV and the amount borrowed. Minimum rate 4.0%. Maximum Rate 18.0%. There are no closing costs to establish a HELOC but property insurance is required at the member's expense. A $300 cancellation fee is charged to all accounts closed within the first 24 months. The annual fee of $50 is waived the first year and on all accounts with balances of $20,000 or more. Rates information as of 3/2007 and subject to change. Equal opportunity lender.

Call (734) 453-1200 or toll free (877) 937-2328 for details.

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Adjustable Rate Mortgage Payment Example

ADJUSTABLE RATE MORTGAGE TYPE	LOAN AMOUNT	SAMPLE RATE	NUMBER OF PAYMENTS	PRINCIPLE & INTEREST PAYMENTS
1/1 YEAR	$150,000.00	5.750%	360	$875.36
3/1 YEAR	$150,000.00	5.750%	360	$875.36
5/1 YEAR	$150,000.00	5.875%	360	$887.31
7/1 YEAR	$150,000.00	6.500%	360	$948.10

The above information is intended to give you an example of the monthly payments on an Adjustable Rate Mortgage. Your actual rate and monthly payments will vary depending on current rate, loan amount and other factors. Please contact a Mortgage Specialist for your personalized payment quote. Rates are subject to change without notice. Community Financial is an Equal Housing Lender.

Call (734) 453-1200 or toll free (877) 937-2328 for details.

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Qualifying for Free Checking

It is easy to qualify for Free Checking. Simply have your monthly, recurring pay, social security, pension or other recurring government check directly deposited into your Community Financial Basic Checking Account. This will waive the monthly service fee and per check charges

Call (734) 453-1200 or toll free (877) 937-2328 for details.

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Avoid the $8.00 Monthly Fee on Checking Plus by:

Maintaining $2,500 in this account
Being a Member Rewards Club member with a minimum combined deposit/loan balance of $25,000+ (excluding first mortgages)
Linking this account with others to build your total household balance to $25,000+

Call (734) 453-1200 or toll free (877) 937-2328 for details.

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Avoid the $15.00 Monthly Fee on High Yield Checking by:

Maintaining $2,500 in this account

Call (734) 453-1200 or toll free (877) 937-2328 for details.

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Avoid the $3.00 monthly fee on your Basic Savings Account
if you do any of the following:

Maintain $300 in this account
Are a Member Rewards Club member with a minimum combined deposit/loan balance of $10,000+ (excluding first mortgage)
Joining e-Club; this fee is waived when you do not use branches for routine transactions
Are a member under age 21
Linking this account with others to build your total household balance to $10,000+

Call (734) 453-1200 or toll free (877) 937-2328 for details.

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Avoid the $5.00 Monthly Fee on your Super Saver Account by:

Maintaining $1,000 in this account
Being a Member Rewards Club member with a minimum combined deposit/loan balance of $25,000+ (excluding first mortgages)
Linking this account with others to build your total household balance to $25,000+

Call (734) 453-1200 or toll free (877) 937-2328 for details.

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Avoid the Monthly Maintenance & Per Check Fees
on Business Checking when you:

Maintain $5,000 in this account.

Please note the $.15 per deposit fee on excess deposits is not waived.

Call (734) 453-1200 or toll free (877) 937-2328 for details.

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Avoid the $3.00 monthly fee on Business Savings when you:

Maintain $300 in this account
Join e-Club; this fee is waived when you do not use branches
for routine transactions

Call (734) 453-1200 or toll free (877) 937-2328 for details.

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Fixed Rate Mortgage Payment Examples

30 Year Fixed Mortgage Payment Example: A $200,000 home with 20% down, at 6.375% for 30 years with zero points, your monthly principal and interest payment would be $998.19.

15 Years Fixed Mortgage Payment Example: A $200,000 home with 20% own, at 6.125% for 15 years with zero points, your monthly principle and interest payments would be $1,361.

Rate sample information as of 3/2007 and subject to change without notice. Equal housing lender.

Call (734) 582-8500 or toll free (877) 937-2328 ext. 8500 for details.

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Home Equity Loans

Variable Rate Home Equity Line of Credit let you borrow what you need, when you need it! Interest-Only Payment Options Tiered rates based on loan amount No Application or Closing Fees* Convenient check writing & Internet access Interest may be tax deductible - consult your tax advisor Know the details - IMPORTANT HOME EQUITY INFORMATION Rates as low as 4.00% Annual Percentage Rate (APR) -Your individual rate is based on loan amount, LTV, your individual credit history and the Prime Rate published in the Wall Street Journal. Maximum rate 18%APR. The variable rate example of 4.00% APR is based on a $25,000+ line of credit and 80% Loan to Value (LTV). Estimate assumes a .25% discount when payments are automatically deducted from a Community Financial checking account. An early termination fee of $300 will be charged on lines closed within the first 24 months. Fixed Rate Home Equity Term Loans are great for major renovations and debt consolidation Your home is a major asset that you can tap into to make home improvements. A Community Financial Home Equity Term Loan feature low, fixed rates and are closed-ended so your payments are set for a fixed period of time. These loans offer: The peace of mind of fixed rates and payments over a set period of time Variety of term options based on your needs Borrow up to 100% of your available equity No application or closing fees Interest may be taxed deductible – consult your tax advisor Rates as low as 5.50% Annual Percentage Rates (APR) The fixed rate of 5.50% APR is based on a $25,000+ line of credit, 80% Loan to Value (LTV) and a 5 year term.. Estimate assumes a .25% discount when payments are automatically deducted from a Community Financial checking account. Payment example: The payment on a $25,000 loan at 5.50% is approximately $478 for 60 months. Your individual rate is based on loan amount, term, LTV, your individual credit history. Maximum rate 18%APR. Your rate will be based on a various factors including LTV, term and your credit history. Apply Online or by Phone Click here it begin the application process for your new Home Equity Loan. Or, call a representative to discuss the home equity loan that is right for you. We’ll answer your questions, give you monthly payment options and take your application over the phone. Call us today at (734) 453-1200 or toll-free at (877) 937-2328.

Community Financial Members Federal Credit Union, P.O. Box 8050, Plymouth, Michigan 48170-8050
National Credit Union Administration (NCUA) Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. Your savings also privately insured for an additional $250,000 by Excess Share Insurance Corporation (ESI). ESI is a subsidiary of American Share Insurance. Equal Housing Lender. Community Financial 2007