SAVINGS RATES*

Smart Money Checking *Effective March 20th, 2008

Direct Deposit Relationship Required. No minimum balances, no per-check charges. Interest is paid monthly and is calculated using the daily balance method. Accounts with less than $5,000 will pay a $5.00 monthly fee.

Money Maker Account

Minimum balance to open is $2,500.
Interest is paid monthly and is calculated using the daily balance method.
Minimum balance required to maintain the account is $2,000.
Balances below $2,000 are assessed a $5.00 monthly service charge.



Term Share and IRA Certificates**Effective May 1, 2008**
Minimum balance required to open is $500

LOAN RATES.
Numbers in ( ) are footnoted.
Rates are subject to change without notice.

Loan	Amount	Term	APR as low as	Intro/ Special Rate
New/Used Automobiles (1)	2006-2008 Model Years 2002-2005 Model Years 2001 and older Model Years Subtract .25% for hybrid cars	Up to 60 mos. 61 to 72 mos. . Up to 48 mos.(1) 49 to 60 mos. 1 to 36 mos. 37 to 48 mos.	5.49% 5.74% 5.99% 6.24% 6.49% 6.74%
Overdraft Line of Credit (2)			16.95%
Personal Loan		12 mos. 24 mos. 48 mos. 60 mos.	10.00% 12.00% 12.50% 12.50%
Summer Expense Loan		12 mos.	10.00%
Relocation Assistance	$5,000	60 mos.	7.95%
Visa Classic (3)			8.95%
Visa ScoreCard (3)			7.25%
Loan secured by Regular Shares			5.75%
Loan secured by Term Share Cert (TSC)			TSC Rate + 2.00%
Home Improvement Home Improvement *Lien on property may be requiered		1-60 mos. 61-120 mos.	7.50% 8.50%
Home Equity Fixed/Closed End ($7,500 minimum) (4)	$7,500 to $150,000 $7,500 to $150,000 $7,500 to $150,000	60 mos. 61 to 120 mos. 121 to 180 mos.	5.99% 5.99% 6.75%
Home Equity Variable/Closed End ($7,500 minimum) (5)	$7,500 to $200,000 $7,500 to $200,000	61 to 120 mos. 121 to 180 mos.	4.49% 5.00%
Home Equity Line of Credit ($7,500 minimum) (6)	$7,500 to $24,999 $25,000 to $49,999 $50,000 to $200,000		5.99% 5.00% 4.75%	1.25%
Debt Consolidation (7)	Up to $20,000	1-36 mos. 37-60 mos. 61-72 mos.	9.20% 9.90% 10.90%
Boat/RV/Motorcycle	New New Used Used	60 mos. 120 mos. 60 mos. 84 mos.	8.10% 10.00% 8.10% 10.00%
Federal Stafford Student Loans			6.80%
Federal PLUS Student Loans			8.50%

*All rates subject to change without notice.

    With most of our loan products, each applicant will receive an interest rate based on the applicant's past credit history. Members with a strong credit history are rewarded by receiving the lowest interest rates. Members who have experienced past credit problems, as well as first-time borrowers who have no established credit, may be given the opportunity to improve or establish their credit rating, and will pay higher interest rates during this process. The primary criteria for approving any loan will continue to be the member's demonstrated capacity to repay based upon current debt-to-income ratio.

1. Automobiles, New/Used - -- * Annual Percentage Rates will vary from 5.49% to 14.24% on car model years 2007-2008; from 5.99% to 14.74% for model years 2005-2006; and from 6.49% to 15.24% on car model years 2001 & older model years. Rates and loan terms are determined based on applicant's past credit history. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates do not apply to refinance of an existing loan with Advantage Federal Credit Union.

2. Overdraft Line of Credit - There is a $20 annual fee for the Overdraft Line of Credit.

3. Visa Classic & Visa ScoreCard--Click here for disclosure

4. Fixed Rate Home Equity Loan -- Interest is tax deductible subject to certain limitations. Consult your tax advisor for details. Should you pay off your loan for any reason prior to the third anniversary of the loan, you will repay the credit union the third party fees incurred to open the loan.  Closing cost fees paid to third parties range from $300 to $1,000.00. Hazard, flood, and title insurance, if applicable, are required on your property. A home equity loan is secured by a mortgage on your home.  Available only for one- to –four-family owner-occupied residences within New York State . Rate subject to change without notice.

5. Home Equity Loan Variable/Closed End -- Annual Percentage Rate is based on the highest Prime Rate published in The Wall Street Journal (5.00% as of May 1, 2008, plus a margin). The APR will be adjusted twice per year but by no more than 2% at each adjustment. Your rate will be determined by the conditions of your loan. The maximum Annual Percentage Rate that can apply is 15.75%. Minimum home equity loan is $7,500. Home equity loans are secured by a mortgage on your home. Hazard, flood and title insurance, if applicable, are required on your property. Consult with your tax advisor regarding tax deductibility of interest. Should you payoff your loan prior to the third anniversary of the loan, you will repay the credit union closing cost fees. Closing cost fees paid to third parties range from $300 to $1,000.00.

6. Home Equity Line of Credit -- The Introductory/special rate of 1.25% APR applies to balances for the first six monthly billing cycles after closing. After the introductory period the Annual Percentage Rate (APR) may vary quarterly and will be based on the highest Prime Rate published in The Wall Street Journal (5.00% as of May 1, 2008), for the life of the line of credit. Minimum line amount is $7,500. Your rate will be based on the conditions of your loan as follows. If your credit line is $7,500 to $24,999 your APR will be Prime Rate +.99%; If your credit line is $25,000 to $49,999 your APR will be Prime Rate +0%; If your credit line is $50,000 to $200,000 your APR will be Prime Rate -.25%. Closing cost fees paid to third parties range from $300 to $1,000. The APR for all lines will not exceed 15.0%.

Interest is tax deductible subject to certain limitations. Consult your tax advisor for details. Should you terminate your line for any reason prior to the third anniversary of the line, you will repay the credit union the third party fees incurred to open the line. Hazard, flood, and title insurance, if applicable, are required on your property. A home equity line is secured by a mortgage on your home.

7. Debt consolidation Loan - Rates are subject to change without notice and are based on past credit history.  All credit requests are subject to underwriting standards.


Mortgage Rates
Rates are accurate as of 9/05/08, and are subject to change
Minimum 5% Down Payment required.

AFCU has first mortgages at some of the best rates you will find. When you're making a decision as important as this you should talk with people you know and trust. Your Member Service Representatives will be pleased to help with the information you need regarding a mortgage, and put you in touch with our mortgage expert.

Please call Sandy Leavy at (585)454-5900, ext. 105.

Conventional
Programs	Rate	APR
25/30 Year Fixed	6.250%	6.27%
20 Year Fixed	6.125%	6.13%
10/15 Year Fixed	5.750%	5.77%
1/1 Adjustable*	5.500%	5.04%
5/1 Adjustable**	6.250%	6.05%
10/1 Adjustable***	6.625%	6.40%

The above rates are for loans in the range of $20,000 to $417,000.
Call for a quote on loans outside of this range.
Owner-occupied 1-4 family properties only.
Other mortgage programs are available. For additional information, please call us at (585) 454-5900, Press 5.
Mortgage refinancing -- No closing cost option available. Call (585) 454-5900 for details


Adjustable Rate Mortgage Facts:
Adjustable Rate Mortgages are for a 30 year term.
Adjustable Rate Mortgages (ARM’s) fluctuate with a pre-determined index. When they adjust, the index is added to a margin. The sum is then rounded up to determine the final rate. This is not the manner in which the initial rate is determined. The initial rate is based on many other factors. When the rate adjusts with an Adjustable Rate Mortgage, it will be subject to adjustment caps. There is a maximum that the rate can change per adjustment (called the adjustment cap) and the entire life of the loan (called the life cap). The adjustment caps will vary by program.
Advantage's ARM's use the one year Treasury bill as our index. The margin is 2.75%.
*The 1/1 will adjust every year.
**The 5/1 ARM will have its initial adjustment five years after closing and then have annual adjustments.
***The 10/1 ARM will adjust ten years after the closing date. Subsequent adjustments will occur annually.