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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Free WebPB Internet Banking

Community Financial's WebPB Online Banking Service gives you 24/7 internet access to all your accounts. Log on to view: Account balance & history Transfer funds Make loan payments Review canceled checks Our online service is safe & secure so you have piece of mind knowing your account information is safe. To get started you'll need the Personal Identification Number (PIN) you established when you opened your account. If you need assistance contact any office for a demonstration. Take Back Your Time with Free Bill Pay Internet Bill Pay is a great way to manage your bills and save money. You establish a list of payees, then decide how much and when to send the payments. You can include both companies and individuals in your personalized payee list. Plus, you'll be able to review pending payments and histories with a click of the mouse. This service is free to all members* but you'll need to enroll by signing a Bill Payment Enrollment Form from our web site and fax it to (734) 582-8905. A signed agreement is required before activation of the Bill Pay option. eStatements are Easy! Save time, money & the enviorment by signing up to receive your account statements electronically. You can view, print and download your deposit, loan and line of credit loans safe & secure though WebPB. Secure Email Another feature of our Internet Banking Service is a password protected email. This special email account operates inside our secured WebPB environment. Encrypted communications can only be sent & received between you and our call center. You can use this service to open new accounts or ask questions. Please note, Community Financial will not request or share personal information over typical email channels. Instructions for new WebPB users: 1. Enter your Community Financial account number without any suffixes. 2. Your PIN was set up when you opened your account. If you do not know your PIN, call us at (734) 453-1200, or (877) 937-2328, toll free. 3. Account information is current and transfers will take effect immediately. 4. When finished, please exit out of the secured screens using the exit prompt. This will take you back to our home page. Since we have a limited number of concurrent user connections, it is important that you log off when finished. 5. WebPB sessions are designed to automatically log you off after 30 minutes. After 30 minutes you will need to log in again. To begin your WebPB session visit https://www.cfcu.org/PCC/jsp/login.jsp?FIID=0001 or click here: Enter WebPB

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 $250,000 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