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BUFFALO METROPOLITAN FEDERAL CREDIT UNION'S RATES

 RATES SUBJECT TO CHANGE WITHOUT NOTICE

Share Account Dividend Rates
PRODUCT
TERM
DIVIDEND RATE
Share Account (Dividends paid quarterly on accounts with an average daily balance of $1,000.00 or more)

Rate as of 1/26/12		   0.25%
(APY 0.25%)
Youth and Teen Accounts
(Dividends paid quarterly on accounts with an average daily balance of $500.00 or more)

Rate as of 1/26/12 		  0.25%
(APY 0.25%)
Individual Retirement Accounts (IRAs)
Rate as of 1/26/12		   1.50%
(APY 1.508%)
Share Certificates
Minimum deposit of $500.00
Annual Percentage Yield effective Rate as of 1/26/12

If funds are withdrawn from any Share Certificate account prior to maturity of the current term of the account, a substantial penalty will be imposed.		 Three Month

Six Month

Twelve Month (One Year)

Eighteen Month

Twenty-Four Month (Two Year)

Thirty-Six Month (Three Year)

Forty-Eight Month (Four Year)

Sixty Month (Five Year) 		.35%   APY .350%
 
.40%   APY .400%
 
.60%   APY .600%
 
.70%   APY .699%
 
.80%   APY .797%
 
.90%   APY .892%
 
1.00%   APY .985%
 
1.50%   APY 1.457%
Money Market Accounts (MMAs)
Dividends are paid quarterly, compounded daily, on accounts with an average daily balance of $2,500.00 or more. Rates as of 1/26/12.		 $2,500-$9,999.99
$10,000-$24,999.99
$25,000-$999,999.99		 .30%  APY .300%
.50%  APY .501%
.65%  APY .652%
Other dividend rates available based on balance.
*APY=Annual Percentage Yield
SHARE DRAFT ACCOUNTS-No Monthly Maintenance Fee First 150 Checks FREE FREE Online Bill Payer
Federally insured by NCUA
APY=Annual Percentage Yield

"APY" or "Annual Percentage Yield" means a percentage rate reflecting the total amount of dividends expected to be earned in a year on an account, based on the dividend rate and the frequency of compounding accrued dividends.

Fees can reduce the earnings on the account (a fee schedule is available at the Credit Union, upon your request).


Loan Rates Effective June 2, 2011

LOAN PRODUCT
TERM
*RATES AS LOW AS APR
Autos

2010 & Newer Up to 72 Months *4.25%
2009 & Older Up to 24 Months - Other terms available *5.00%
Boats & RV
2010 & Newer Up to 24 Months - Other terms available *5.75%
2009 & Older Up to 24 Months - Other terms available *7.75%
Personal Loans Up to 60 months *10.00%
Shared Secured Loans Up to 60 months 7.00%
Overdraft Protection Up to 60 months *10.00%
Vacation Loans Up to 36 months *6.00%
Computer Loans Up to 36 months *10.00%
*Member must be enrolled for PC Home Banking, Audio Response, Bill Payer and E-statements
Holiday Revolving Cash
Applications and advances accepted Oct. 15 - Jan. 31		 Up to 12 months *8.00%
Line of Credit Loans Up to 60 Months *10.00%
VISA Platinum
NO ANNUAL FEE
NO TRANSFER FEE
NO CASH ADVANCE FEE
Minimum payment is 2.5% of outstanding balance or $10.00 whichever is greater 7.50%-18.00%
Home Equity Line Of Credit
Up to 180 Months Variable Rate
Mortgage Loans
Fixed Rate (rate changes daily)		 Up to 360 Months Click here for current rates;
please look at conventional rates
*Your credit history will determine the interest rate and term of loan
APR=Annual Percentage Rate
All loan payments will be calculated on balance of loan at last advance.
The minimum monthly payment on all loans excluding VISA will be $25.00
A $20.00 late fee will be assessed on all loans when the loan payment is thirty-one (31) or more days delinquent.