Jamestown Area Community Federal Credit Union

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Share Dividend Rates

Account Balance	Dividend Rate	APY
5.00 - 5,000.00	0.10%	0.10%
5,000.01 - 15,000.00	0.20%	0.20%
15,000.01 - 25,000.00	0.30%	0.30%
25,000.01 - 50,000.00	0.60%	0.60%
50,000.01 - 100,000.00	0.90%	0.90%
100,000.01 - UP	1.00%	1.01%
IRA's	1.10%	1.11%

APY is Annual Percentage Yield
Service fees charged to your account may result in a reduction of your APY.
Dividend Rates Are Revised and Subject to Change Monthly
Dividend Rates are effective June 1, 2010

Loan Rates

Mortgages and Home Equity Loans

Type	Term	Rates (APR) as low as
Home Equity and Special Interest Vehicles over $30,000 $10,000 No Equity	Up to 60 Months	7.00%
80% of Equity	Up to 60 Months	5.75%
80% of Equity	61 to 120 Months	7.40%

First Mortgage 90% Purchase Price	Up to 120 Months	5.75%
	121 to 240 Months	7.15%
	241 to 360 Months	8.15%

APR is Annual Percentage Rate

Auto Loans

Type	Term	Rates (APR) as low as
New Auto 2009-2010	Up to 36 Months	4.50%
	37 to 48 Months	4.75%
	49 to 60 Months	5.00%
	61 to 72 Months	5.25%

Used Auto 2004-2008	Up to 36 Months	5.00%
	37 to 48 Months	5.25%
	49 to 60 Months	5.50%

Used Auto 2003-Older	Up to 36 Months	6.00%
	37 to 48 Months	6.50%
	49 to 60 Months	6.75%

APR is Annual Percentage Rate

Unsecured Loans and Lines of Credit

	$15,000 Maximum
Term	Up to 36 Months	37 to 60 Months	61 to 72 Months
Rate (APR) as low as	7.75%	8.00%	8.25%

APR is Annual Percentage Rate

Share Secured Loans

Up to 60 Months

5.00% APR

APR is Annual Percentage Rate

Loan rates are based on credit score and are subject to change.

This credit union is federally insured by the National Credit Union Administration.

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

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