Rates at Cambridge Teachers FCU

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Rates as of 01/01/2010

Savings	Rate	APY
Regular Savings	.50%	.50%

Rates as of 01/01/2010
Term	Rate	APY
6 Month	0.50%	0.50%
12 Month	1.00%	1.00%
24 Month	1.39%	1.40%
36 Month	1.89%	1.90%
60 Month	2.23%	2.25%
RATES ARE FOR BOTH CD's and IRA's

Withdrawals before maturity may incur early withdrawal penalties.

Please refer to *Member Rewards* for additional rate incentives. Rates as of 01/01/2010
Super Checking Interest	Rate
$ 0 - $1,000	0.10%
$1,000 - $2,500	0.10%
$2,501 - $10,000	0.25%
> $10,001	0.75%

** IRA Market Index Certificate is tied to the S & P 500 Stock index. For more details Stop by the office.

Rates as of 01/01/2010

Loan:	APR
Personal Loan	11.00%
Consolidation Loan	9.25%
Vacation Loan	8.00%
Secured Loan	Div rate + 3.0% (Minimum of 4.00%)

New Auto: 36 month***	6.00%
New Auto: 48 month***	6.25%
New Auto: 60 month***	6.45%
Used Auto < 2 years old***	6.50% 48 months
Used Auto > 2-3 years old***	6.50% 48 months
Used Auto > 3 years old***	7.00% 36 months
Home Equity Line of Credit**** FIXED RATE HOME EQUITY	5.00 % 6.25 %
Visa Card	11.25%

***Member rewards and credit score may affect your rate

**** Home equity loan is a variable rate loan.

The Board of Directors declares dividends on Savings at the end of each quarter. Super Checking rates are set each month.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - NCUA National Credit Union Administration, a U.S. Government Agency

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Equal Housing Lender - We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act