Vehicle Loans

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Category	Year	Maximum Term	APR
New Auto	2007 - 2008	60 Months 72 Months	5.99% 6.99%
Used Auto	2006 - 2007	54 Months	6.50%
Used Auto	2003 - 2005	48 Months	6.50%
Used Auto	2001 - 2002	36 Months	6.50%
Used Auto	2000 and Older	30 Months	6.50%
New Travel Trailers and Motor Homes	2007 - 2008	60 Months 120 Months	8.50% 9.50%
Used Travel Trailers and Motor Homes	2006 and Older	60 Months 120 Months	9.00% 9.75%
Personal Secured  $1,500 - $10,000	Auto as Collateral 80% of Book Value	48 Months	9.00%

Unsecured Loans

Category	Maximum Term	APR
Share Secured $500 - $10,000	60 Months	4.5%
Personal-Unsecured Up to $1,500	12 Months	From 8.9%
Personal-Unsecured $1,501 - $3,000	36 Months	From 9.5%
Personal-Unsecured $3,001 - $6,000	42 Months	From 9.5%
Personal-Unsecured $6,001 - $10,000	48 Months	From 9.9%
Overdraft Protection Up to $1,500	24 Months	17.0%

Home Equity Loans

Up to 80% Loan to Value

Terms	Rate
Up to 60 Months	6.00%
61 - 120 Months	6.50%
121 - 180 Months	6.75%

81% to 95% Loan to Value

Terms	Rate
Up to 60 Months	6.50%
61 - 120 Months	7.00%
121 - 180 Months	7.30%

Share Certificates

Maturity Date	Interest Rate	APY
6 Months	2.25%	2.28%
12 Months	2.50%	2.53%
18 Months	2.75%	2.78%
24 Months	2.80%	2.84%

(All Share Certificates require a minimum balance of $500.00)

Allegany County Schools FCU
27 West Main Street
Fillmore , New York 14735
585.567.4103
Fax: 585.567.8993
tara@acsfcu.com