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Credit Card Rates

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Rates

Rates

Credit Card Rates

Deposit Rates

Savings Rates

Rates effective January 1, 2010

Account Type	Min. Balance	Dividend Rate	APY *
Regular Savings	$100	.50%	.50%
Kids Savings	$25	.50%	.50%
Holiday Club	$25	.50%	.50%
Health Savings Account		2.23%	2.25%
APY * = Annual Percentage Yield Return to top

Money Market Rates

Rates effective January 1, 2010

Account Type	Min. Balance	Dividend Rate	APY *	Notes
Members Choice Money Market (1)	$75,000	1.44%	1.45%	With Active Checking
	$75,000	.95%	.95%	Without Active Checking
Ultimate Money Market (2)	$15,000	1.14%	1.15%
Affordable Money Market (3)	$7,500	.75%	.75%
First Choice Money Market Savings	$10,000	.75%	.75%
(1) Balances falling below $75,000 earn a rate and APY of 0.50%, and incur a $25 monthly service charge. (2) Balances falling below $15,000 earn a rate and APY of 0.50%, and incur a $15 monthly service charge. (3) Balances falling below $7,500 earn a rate and APYof 0.50%, and incur a $15 monthly service charge. (4) Minimum combined loan and/or deposit balance required to open and maintain account. APY * = Annual Percentage Yield Return to top

Checking Rates

Rates effective January 1, 2010

Account Type	Min. Balance	Dividend Rate	APY *
Member's Choice (4)	All Balances	.50%	.50%
Direct Benefit & Regular Checking	$5,000	.35%	.35%
	$500 - $4,999.99	.15%	.15%
Free Checking	$0	0.00%	0.00%
APY * = Annual Percentage Yield Return to top

Corporate Checking

Rates effective January 1, 2010

Account Type	Min. Balance	Dividend Rate	APY *
Tier 1	$2,500	.15%	.15%
Tier 2	$25,000	.50%	.50%
Tier 3	$50,000	.60%	.60%
APY * = Annual Percentage Yield Return to top

Certificates

Rates effective January 1, 2010

Account Type	Min. Balance	Dividend Rate	APY *
15 Month Certificate Special	$5,000	1.98%	2.00%
90 Days	$2,500	1.145%	1.15%
6 Month	$2,500	1.49%	1.50%
1 Year	$1,000	1.88%	1.90%
18 Months	$1,000	1.98%	2.00%
2 Year	$1,000	2.03%	2.05%
3 Year	$1,000	2.23%	2.25%
5 Year	$1,000	2.57%	2.60%
APY * = Annual Percentage Yield Return to top

IRA (Traditional, Roth or Coverdell Education Savings Account)

Rates effective January 1, 2010

Account Type	Min. Balance	Dividend Rate	APY *
15 Month IRA Certificate Special	$4,000	1.99%	2.00%
1 Year	$1,000	1.89%	1.90%
18 Month	$1,000	1.99%	2.00%
2 Year	$1,000	2.03%	2.05%
3 Year	$1,000	2.23%	2.25%
5 Year	$1,000	2.575%	2.60%
Accumulator IRA (Traditional & Roth Only)	None	.75%	.75%
Coverdell Education Savings Account	None	.75%	.75%
Members Choice Money Market(1)(With Active Checking)	$75,000	1.44%	1.45%
Member's Choice Money Market(1) (Without Checking Account)	$75,000	.95%	.95%
Ultimate IRA Money Market (2)	$15,000	1.14%	1.15%
Affordable IRA Money Market (3)	$7,500	.75%	.75%
APY * = Annual Percentage Yield Return to top

CD/IRA Rate Specials

Rates effective January 1, 2010

15 Month IRA Certificate Special	Min. Balance	Dividend Rate	APY *
15 Month IRA Certificate Special	$4,000	1.99%	2.00%
15 Month Certificate Special	$5,000	1.98%	2.00%
APY * = Annual Percentage Yield Return to top

Fees

Checking Account Fees

Rates effective February 3, 2009

Overdraft fee	$25 Per Occurrence
Overdraft Transfer Fee	$12 per occurrence when transferred from savings
Returned Check Charge	$12 per item on deposited items
ACH Return Fee	$25
Live Telephone Transfer	$2
	$5 for Free Checking
	No charge for Member's Choice Account
Stop Payment Fee	$25
Account Closing Fee	$10
Check Printing	Varies by style
Check Copy Fee	$2 per copy
Receipt Copy Fee	$1 per copy
Account History Fee	$1 per page
Account reconciliation	$15 per hour
Account research fee	$15 per hour
Member ID Card Replacement Fee	$.50
Inactive Account Fee	$2 per month

ATM/TYME Card & VISA Check Card Fees

Rates effective February 3, 2009

Transactions	Free Unlimited Transactions at all POS or merchant terminals
Card or Pin Replacement Fee	$5
Overdraft Fee	$25 per occurrence
ATM Out-of-State transactions	$2 each

Miscellaneous Fees

Rates effective February 3, 2009

Wire Transfers
Domestic outgoing wire transfer	$10
Domestic incoming wire transfer	No Charge
International wire transfer	$50

Money Orders
Money Order Fee	$1
Commercial Money Order Fee	$25

Cashier Check Fee	$1
Photocopies	$ .25 per page
Zipper Cash Bag Fee	$5
Lockable Zipper Cash Bag	$30-$50 depending on size

Fax Services
First page outgoing	$2
Each additional page outgoing	$1
First page incoming	$1
Each additional page incoming	$ .50

Traveler checks	$1 (per $100 purchased)
	Free for Direct Benefit & Member's Choice Checking
Save deposit box	Varies depending on size
Check Cashing Fee	$2 per check
Check Replacement Fee	$25 (non-member)
PC BillPayer Monthly Inactivity Fee	$4.95

Loan Rates

Enjoy the best possible rate when you pair your loan with an active Checking account with Direct Deposit at Community First!

Home Equity Lines & Loans

Rates effective October 11, 2009

Type	Term	APR *	Checking with Autopay APR as low as	Checking with Autopay and Direct Deposit APR as low as
3 Year Balloon	Up to 80% LTV	5.99%	5.49%	4.99%
5 Year Balloon SPECIAL	Up to 80% LTV	4.99%	4.49%	3.99% ($10,000 new money required)
7 Year Balloon	Up to 80% LTV	6.99%	6.49	5.99%
LTV= Loan to Value. Up to 30-year amortization. Minimum loan amount of $10,000 new money. Your rate is determined by your account relationship and credit score. * APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score. Return to top

Home Equity Line of Credit

Rates effective May 28, 2009

Home Equity Line of Credit	Term	APR *	Checking with Autopay APR as low as	Checking with Autopay and Direct Deposit APR as low as
Home Equity Line of Credit	Up to 80% LTV	4.00%	---	4.00%
LTV = Loan to Value. Minimum line amount $10,000. Variable rates tied to Wall Stret Prime Rate Your rate is determined by your account relationship and credit score. * APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score. Return to top

New Auto Loans

Rates effective February 3, 2009

Type	Term	APR *	Checking with Autopay APR as low as	Checking with Autopay and Direct Deposit APR as low as	Model Years
New Auto Loan	72 Months	5.49%	4.99%	4.49%	2009-2010
New Auto Loan	84 months	as low as 6.99% APR	6.49%	5.99%	2009-2010
LTV = Loan to Value. Your rate is determined by your account relationship and credit score. * APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score. Return to top

Pre-Owned Auto Loans

Rates effective October 11, 2009

Type	Term	APR *	Checking with Autopay APR as low as	Checking with Autopay and Direct Deposit APR as low as	Model Years
Pre-Owned Auto Loans	66 months	4.99%	4.49%	3.99% ($5000 new money required)	2005-2009
	48 months	6.99%	6.49%	5.99%	2003-2004
	36 Months	6.99%	6.49%	5.99%	2002 & Older
Your rate is determined by your account relationship and credit score. * APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score. Return to top

Boat & RV Loans

Rates effective October 11, 2009

Type	Term	APR *	Checking with Autopay APR as low as	Checking with Autopay and Direct Deposit APR as low as	Loan Amount
Boat & RV Loans	66 Months	4.99%	4.49%	3.99% ($5000 new money required)	Any Amount
	84 months (up to 84 month amortization) as low as	9.49%	8.99%	8.49%	$5000-$7500
	120 Months	7.99%	7.49%	6.99%	$7501-$15000
	120 Months	7.24%	6.74%	6.24%	$15,001-$25,000
	120 months (up to 180 month amortization) as low as	6.74%	6.24%	5.74%	$25,001 or higher
(2005 and newer. Ask for financing rates on 2002 and older.) Your rate is determined by your account relationship and credit score. * APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score. ** Monthly payments are based on payment per $1000 for the terms noted and lowest rate available with checking, autopay and direct deposit. Minimum loan amoun is $1000. Return to top

Personal Loans

Rates effective October 11, 2009

Type	APR *	Checking with Autopay APR as low as	Checking with Autopay and Direct Deposit APR as low as
Secured** (Jet Skis, ATVs, etc.)	4.99%	4.49%	3.99% ($5000 new money required)
Kwik-Cash Line of Credit	13.90%
Unsecured as low as	9.74%	9.24%	8.74%
** All secured loans will be priced at .50 additional for every 6 months beyond standard terms available. Your rate is determined by your account relationship and credit score. Return to top

Lot and Land Loans

Rates effective April 30, 2009

Type	APR *	Checking with Autopay APR as low as	Checking with Autopay and Direct Deposit APR as low as	Amortization
One Year Balloon	as low as 5.99% APR	as low as 5.49% APR	as low as 4.99% APR	Up to 30 years
3 Year Balloon	6.49%	5.99%	5.49%
Your rate is determined by your account relationship and credit score. * APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score. Return to top

Credit Card Rates

Platinum VISA or MasterCard

Rates effective February 3, 2009
Choose one of Community First's GREAT Credit Cards!

Card Type	APR *
GREAT Rate Platinum Credit Card	as low as 8.99%
GREAT Rewards Platinum Card	as low as 10.99%
Return to top

Student Cards

Rates effective February 3, 2009
Gain experience handling credit in a secure and responsible way while enjoying the convenience that comes from carrying your own credit card from Community First.

Student Card	APR *
Student Card	9.99%
Return to top

Mortgage Rates

Please visit our PC Mortgage Center for current mortgage rates.

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