Rates

Click below to go directly to our Rates:

New/Used Autos	New/Used Motorcycles, Boats and Campers
Consumer Loans	Home Equity Loans
Unsecured Loans - Personal Loans	Credit Cards
Mortgage Loans	Savings Rates

New Auto - No Hidden Fees or Application Charges

Term in Months	Rates As Low As*	Monthly Payment Per $1,000 Borrowed
1-24	3.29%	$43.12
25-36	3.29%	$29.22
37-48	3.29%	$22.27
49-51	3.29%	$21.05
52-63	3.39%	$17.36
64-69	3.59%	$16.07
70-75	4.29%	$15.23
76-84	5.29%	$14.25
*Annual Percentage Rate. Rate based on your credit history. Your actual rate may be higher. Rates effective June 1, 2010. Rates subject to change without notice.

Used Auto

Term in Months	Rates As Low As*	Monthly Payment Per $1,000 Borrowed
1-24	3.59%	$43.26
25-36	3.59%	$29.35
37-48	3.59%	$22.41
49-51	3.59%	$21.18
52-63	3.79%	$17.54
64-69	3.89%	$16.21
70-75	4.29%	$15.23
*Annual Percentage Rate. Rate based on your credit history and model year of vehicle. Your actual rate may be higher. Rates effective June 1, 2010. Rates subject to change without notice.

New Boats, Motorcycles, Campers - No Hidden Fees or Application Charges

Term in Months	Rates As Low As*	Monthly Payment Per $1,000 Borrowed
1-24	4.29%	$43.57
25-36	4.29%	$29.97
37-48	4.29%	$22.72
49-51	4.29%	$21.50
52-63	4.39%	$17.81
64-69	4.59%	$16.53
70-75	5.29%	$15.70
76-84	6.29%	$14.76
85-96	6.79%	$13.54
97-108	7.29%	$12.67
109-120	7.79%	$12.04
*Annual Percentage Rate. Rate based on your credit history. Your actual rate may be higher. Rates effective June 1, 2010. Rates subject to change without notice.

Used Boats, Motorcycles, Campers

Term in Months	Rates As Low As*	Monthly Payment Per $1,000 Borrowed
1-24	4.59%	$43.71
25-36	4.59%	$29.80
37-48	4.59%	$22.86
49-51	4.59%	$21.63
52-63	4.79%	$18.00
64-69	4.89%	$16.67
70-75	5.29%	$15.70
76-84	5.79%	$14.52
85-96	6.29%	$13.30
97-108	6.79%	$12.41
*Annual Percentage Rate. Rate based on your credit history and model year of vehicle. Your actual rate may be higher. Rates effective June 1, 2010. Rates subject to change without notice.

Consumer Loans

Amount	Term	Rates As Low As*	Monthly Payment Per $1,000 Borrowed
All Amounts	(Not Applicable)	8.49%	$30.00
*Annual Percentage Rate. Rate based on your credit history. Your actual rate may be higher. Rates subject to change without notice.

Home Equity Loans

Term	Rates As Low As*	Monthly Payment Per $5,000 Borrowed
LOC (Line of Credit)	4.000%	$70.00
*Annual Percentage Rate. Rate based on your credit history. Your actual rate may be higher. Rates subject to change without notice.

Unsecured Loans - Personal Loans

Amount	Term	Rates As Low As*	Monthly Payment Per $1,000 Borrowed
All Amounts	LOC (Line of Credit)	10.40%	$30.00
*Annual Percentage Rate. Rate based on your credit history. Your actual rate may be higher. Rates subject to change without notice.

Credit Cards - No Annual Fees!

Type of Credit Card	Rates As Low As*
VISA Classic	10.70%
VISA Platinum	8.90%
Annual Percentage Rate. Rate based on your credit history. Your actual rate may be higher. Rates subject to change without notice. With Approved Credit Limited Relationship Member (cash pay loans) interest rate is one percent higher than indicated above.

Mortgage Rates
All Interest Rates Subject to Change Without Notice. Information and Rates Are Effective Beginning September 1, 2010.

First Mortgage Products	Interest Rates	A.P.R.*
3 Year Convertible Rate (3/1)	3.750%	3.777%
3 Year Adjustable Rate (3/3)	3.875%	3.903%
5 Year Convertible Rate (5/1)	4.000%	4.028%
7 Year Convertible Rate (7/1)	4.125%	4.153%
10 Year Convertible Rate (10/1)	4.250%	4.287%
15 Year Fixed Rate	4.500%	4.550%
30 Year Fixed Rate	5.000%	5.030%
3 Year Balloon Loan (Residential Lots)	5.625%	6.127%
All cash out refinances may be subject to additional fees. Loans may be subject to additional fees based on loan type. Certain restrictions may apply based on credit score.
Jumbo Loan Products
All loan amounts over $417,000 are considered Jumbo Loan Products. Please call for current rate for this product.
Home Equity Loan Property Products	Interest Rates	A.P.R.*
Home Equity Loan (Up to 100% Loan to Value) - Rates as low as	4.000%	4.000%
Investment Property Products	Interest Rates	A.P.R.*
3 Year Convertible Rate (3/1)	5.250%	5.572%
5 Year Convertible Rate (5/1)	5.500%	5.824%
15 Year Fixed Rate Commonwealth Credit Union Loan	6.000%	6.326%
Second Mortgage Products	Interest Rates	A.P.R.*
5 Year Fixed Rate Loan	4.750%	5.004%
10 Year Fixed Rate Loan	5.000%	5.135%
*Annual Percentage Rate (A.P.R.) estimate based on $100,000.00 loan amount and 360 months unless otherwise stated for 1st mtgs and $50,000 for 2nd mtgs.

Primary Residence: Purchase-Up to 95% of appraised value or purchase price, whichever is less.*
Total land value can not exceed 30% of total appraised value.

Commonwealth Credit Union will finance a home and up to 20 acres.

* Private Mortgage Insurance may be required.

Maximum Limit - First Mortgage=$417,000.00 Second=$50,000.00 Home Equity=$100,000.00.
Pick your payment = 90% LTV.
Minimum Limit - First Mortgage=$10,000.00 Second=$1,000.00 Home Equity=$1,000.00

Appraisal, Credit Report and Application Fees must be paid at the time of application.

Investment Properties - Require 6 months PITI in reserves after closing. All loans subject to 1.75% Origination Fee. All loans require taxes and insurance to be escrowed. Minimum loan amount $50,000.00.

HELP Loans - On the anniversary date: Interest rate is set at Prime Rate as reported in the Wall Street Journal plus the appropriate index based on loan type. The caps are 2% per year and 6% over life of the loan. Loans can be either first or a second mortgage.

ARM Loans - On the anniversary date: Interest rate is set at the weekly average yield on the 12 month T-Bill as reported in the Wall Street Journal plus 2.5% for First Mortgages. Caps are 2% per year and 6% over life of the loan.

Residential/Unimproved Land - We will finance up to 80% of appraised value or purchase price, whichever is less; minimum amount $10,000.00; maximum amount $75,000.00; 3 year balloon.

3 and 5 Year Convertible Loans - After fixed period, rate converts to the weekly average yield on the 12 month T-Bill as reported in the Wall Street Journal plus 2.5% on the First Mortgages. The Caps are 2% per year and 6% over life of the loan. 10 year minimum term on first mortgage convertible products.

All Commonwealth Credit Union second mortgage fixed rate loans - will loan up to 80% of the appraised value. Maximum loan amount $50,000.00

All Commonwealth Credit Union first mortgage fixed rate loans (new purchase) - can finance up to 95% LTV with PMI approval.

Escrows - Escrows are required on all first mortgage products with a loan value over 80%..

CALL TODAY FOR ADDITIONAL INFORMATION AND AN APPOINTMENT
502-564-4775 OR 800-228-6420

Savings, IRA, Roth, Club & Checking: September 2010

Checking Accounts	*APY
CommonWEALTH Checking Account No Minimum Balance No Per Check or Monthly Fees Even Pays You Interest	0.10% APY*
Savings Accounts	*APY
Christmas Savings	0.30% APY*
Vacation Club Account	0.30% APY*
Ready Access Account Credit Union Dividend Rates are declared by the Credit Union Board of Directors at the end of the quarter (and are subject to change). Dividends are paid and compounded quarterly based on your average daily balance. Dividends are paid from date of deposit to date of withdrawal
All Amounts	0.30% APY*
High Yield Savings Credit Union Dividend Rates are declared by the Credit Union Board of Directors at the end of the quarter (and are subject to change). Dividends are paid and compounded quarterly based on your average daily balance. Dividends are paid from date of deposit to date of withdrawal
$5 - $9,999	0.30% APY*
$10,000 to $24,999	0.40% APY*
$25,000 to $49,999	0.60% APY*
$50,000 to $99,999	0.60% APY*
$100,000 and up	0.65% APY*
IRA/Roth Savings	0.65% APY*

Money Market Accounts

Dividend Rates subject to change without notice. Dividends are paid and compounded monthly based on average daily balance. If balance falls below $2500 anytime during month, no dividends will be paid. Dividend Rate as of September 2010.
Average Daily Balance	*APY
$100,000 and up	0.90% APY*
$50,000 to $99,999	0.85% APY*
$25,000 to $49,999	0.85% APY*
$10,000 to $24,999	0.55% APY*
$2,500 to $9,999	0.40% APY*

Certificates: Savings, IRA & Roth Rates as of September 2, 2010 Dividends are paid and compounded monthly	*APY
Cloud 9 Certificate - $250 Minimum/$1,000 Maximum For Ages Birth-9. Must be opened on account where the child is primary member. The rate will be 3% for all but the last year of the CD. On the 1st day of the child's 9th birthday month the rate will increase to 9% for the remainder of the term. Maturity date will be child's 10th birthday at which time funds will transfer to their primary Savings Account. Savings & Coverdell Certificates only. Limit one per child. LIMITED TIME OFFER.	3.00% APY*
Perfect 10 Certificate - $250 minimum/$1,000 Maximum For Ages 10-17. Must be opened on account where the child is primary member. The rate will be 4% for all but the last year of the CD. On the first day of the child's 17th birthday month the rate will increase to the 10% for the remainder of the term. Maturity will be child's 18th birthday at which time funds will transfer to their primary savings account. Savings & Coverdell Certificates only. Limit one per child. LIMITED TIME OFFER.	4.00% APY*
12 Month Building Block Certificate** $250 Min.	0.70% APY*
6 to 11 Months Certificate or IRA Certificate $1,000 Min.	0.70% APY*
12 to 17 Months Certificate or IRA Certificate $1,000 Min.	1.20% APY*
18 to 23 Months Certificate or IRA Certificate $1,000 Min.	1.30% APY*
24 to 35 Months Certificate or IRA Certificate $1,000 Min.	1.65% APY*
36 to 47 Months Certificate or IRA Certificate $1,000 Min.	2.00% APY*
48 to 59 Months Certificate or IRA Certificate $1,000 Min.	2.10% APY*
60 Months and Up Certificate or IRA Certificate $1,000 Min.	2.15% APY*
Annual Percentage Yield assuming dividends are reinvested. Dividend Rates are subject to change weekly or more often without notice. Dividends are paid and compounded monthly. Substantial penalty for early withdrawal. Call for current rates. *Building Block available in Savings Certificates only. Fees could reduce earnings on account.