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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Credit Cards

Platinum VISA Card

Choose Platinum VISA when you’re looking for convenience and affordability. This card offers:

A Low Variable Rate
Credit limits of up to $20,000
A ScoreCard Bonus Points Program
Toll-free Concierge Service
Internet Access 24/7
Local customer service
Apply Online

Platinum VISA ScoreCard Bonus Points Program

With the ScoreCard Bonus Points Program you earn one point for each purchase dollar charged on your Platinum VISA (cash advances are not included). Redeem points anytime for airline tickets, hotel vouchers, rental car vouchers, gifts and more. Platinum VISA cardholders can check their scorecard status at www.scorecardrewards.com.

Access your credit card account 24/7 over the internet to check your balance, make payments or get cash advances. With a Community Financial VISA you’ll have worldwide acceptance and local support in case you have questions or concerns. Please refer to the consumer information below.

Annual Percentage Rates for Purchases Platinum Visa 10.74% - 18.00% APR*	Other Annual Percentage Rates Balance Transfer APR: 10.74% to 18.00% Cash Advance APR: 10.74% to 18.00% Penalty APR: 18.00% See explanation below* Finance charges on cash advances charged from posting date
*If at any time you fail to make the Minimum Payment Due as shown on each statement by the Payment Due Date for any two months in a six month period, the APR will increase to 18.00%.
Grace Period for repayment of balances for purchases	At least 25 days if the New Balance is paid in full by the Payment Due Date.
Balance calculation method	Average daily balance method , including new purchases.
Annual fee	None
Minimum Finance Charge	$0
Other fees	Late Payment Fee: $30 Over the Credit Limit Fee: $30 International Transaction Fee: 1% on the converted U.S. dollar amount of all transactions occurring outside the United States.

* This information is accurate as of April 1, 2008 and is subject to change after that date. You should contact Community Financial for any change in the rate
at (734) 453-1200, or (877) 937-2328, toll free. .

Giving You Piece of Mind

All Community Federal VISA cards give you the security of VISA's Zero Liability Policy. Your cards are covered if they are ever lost or stolen.

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