Clearview Federal Credit Union - Products

Savings rates effective as of February 1, 2012 .
Certificate rates effective as of February 1, 2012 .
Last Dividend Declaration Date as of December 31, 2011 .

Current Savings Rates

Savings Rates

Savings and IRA Certificate Rates

Jumbo Certificates are available at various rates and terms. For current rate and disclosure information, contact Clearview at 1-800-926-0003.

1	Saving Certificate APYs quoted are for dividends paid and compounded quarterly. There is a penalty for early withdrawal.

IRA Certificate APYs quoted are for dividends paid and compounded to the certificate quarterly, except for a 6 month certificate, which is compounded at maturity and credited back to the Certificate. You can have the dividend on a Traditional IRA paid monthly into any savings account or by check if you are over the age of 59 1/2. There is a penalty for early withdrawal.

Checking Account Rates

Checking rates effective as of February 1, 2012 .

Rates and yields are in effect as of above date. For a copy of the current rates or disclosure, contact Clearview at 1-800-926-0003 long distance.

* APY = Annual Percentage Yield.

Loan Rates

Rates effective as of February 1, 2012 .

Vehicle Loan Rates

Consumer Loan Rates

*	APR = Annual Percentage Rate. All rates are subject to change without notice. Rates are based on the type of loan, term of loan and your credit worthiness. All loan approvals are subject to normal underwriting guidelines. Rates include a .25% discount for automatic payments.

Rates effective as of February 3, 2012 .

For your convenience, estimate your mortgage payments!

First Mortgage Loans

Land Loans

Home Equity Loans

*	APR=Annual Percentage Rate. All rates are subject to change without notice.
**	APR=Annual Percentage Rate. Rates are based on the loan-to-value, term of loan and creditworthiness. Home Equity Rates listed are based on a 80% loan-to-value. Other rates and terms are available. All loan approvals are subject to normal underwriting guidelines. Rates include a .25% discount for automatic payments. All rates are subject to change without notice. Rates effective as of October 1, 2011 until April 30, 2012.
***	APR=Annual Percentage Rate. Rate discount is based on a one year fixed term with $10,000 in new funds, at 80% loan-to-value. The introductory rate will be locked in for one year from closing date. After one year, the APR will be indexed to the Prime Rate-0.75% with a minimum 4.00% APR. The index used to determine the APR will be the Prime Rate found in the Money Rates Section of the Wall Street Journal published on the first working day of the month. The APR will then be adjusted on the first of the following month. Minimum credit limit is $10,000. Rates effective as of June 1, 2010. Other rates and terms are available. All rates are subject to change without notice. All loan approvals are subject to normal underwriting procedures. Loan must be secured by primary residence, which must be owner-occupied.

Current Visa^® Rates

See the table below for important disclosures and information for our most popular Visa credit card options.

Rates are effective as of February 1, 2012.

Interest Rates & Interest Charges
	Visa Platinum Rewards Card (Variable Rate)	Visa Platinum, Student and Secured Card (Variable Rate)
Annual Percentage Rate (APR) for Purchases	10.24% - 17.99%APR¹ This APR will vary with the market based on the Prime Rate and is based on your creditworthiness.	9.24% - 17.49%APR¹ This APR will vary with the market based on the Prime Rate and is based on your creditworthiness.
APR for Balance Transfer Promotional Rate February 1 – April 30, 2012	0% Introductory APR² until May 27, 2013. After that your APR¹ will be 10.24% - 17.99% based on your creditworthiness at the time you establish your account and will vary with the market based on the Prime Rate.	0% Introductory APR2 until May 27, 2013. After that your APR1 will be 10.24% - 17.49% based on your creditworthiness at the time you establish your account and will vary with the market based on the Prime Rate.
APR for Cash Advances	10.24% - 17.99% APR¹ based on your creditworthiness at the time you establish your account. Your APR will vary with the market based on the Prime Rate.	10.24% - 17.49% APR¹ based on your creditworthiness at the time you establish your account. Your APR will vary with the market based on the Prime Rate.
Penalty APR for Balances Transferred at 0.00% and When it Applies	10.24% - 17.99% based on your creditworthiness at the time you establish your account and will vary with the market based on the Prime Rate. This APR may be applied to your promotional balances if you make a late payment during the balance transfer introductory period. How long will the Penalty APR apply? If your Promotional APR is increased for a payment that is more than 60 days late, the Penalty APR will apply indefinitely.	9.24% - 17.49% based on your creditworthiness at the time you establish your account and will vary with the market based on the Prime Rate. This APR may be applied to your promotional balances if you make a late payment during the balance transfer introductory period. How long will the Penalty APR apply? If your Promotional APR is increased for a payment that is more than 60 days late, the Penalty APR will apply indefinitely.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees
Annual Fee	· None
Transaction Fees · Balance Transfer · Cash Advance · Convenience Check · Foreign Transaction including Purchases, Cash Advances & Credits	· 3% of the amount borrowed or $10, whichever is greater. · 3% of the amount of each cash advance made at Financial Institutions & ATMs · 3% of the check amount or $10, whichever is greater · 1% of the transaction amount in US Dollars 0.80% of each U.S. Dollar transaction that occurs in a foreign country
Penalty Fees · Late Payment · Returned Payment	· Up to $35 for each payment that is one (1) or more days late · Up to $35

Variable Rate Information: All APRs may vary. They are determined by adding a margin to the Prime Rate (as published in the Money Rates section of the Wall Street Journal on the last business day of the month) on all purchases, cash advances and balance transfers. This margin is determined by your creditworthiness. Rate may change based on a review of your credit and changes to the Prime Rate.
Promotional Balance Transfer Information: All balance transfers completed during the period of February 1, 2012 – April 30, 2012, will be subject to an Introductory Monthly Periodic Rate of 0% (corresponding Annual Percentage Rate 0%) until May 27, 2013, at which time the periodic rate will increase to the standard variable rate that we have disclosed separately.
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for details.
Military Rate Discount: Visa cardholders enrolled in the Military Appreciation Checking account will receive a 1% discount on the current Annual Percentage Rate (APR). This rate is subject to change. The reduction in APR will remain in effect as long as you retain a Military Appreciation Checking account. The APR will increase by 1% at the time the Military Appreciation Checking account is closed.
Please Note: The information about the costs of the cards described in this application is accurate as of 2/1/12. This information may have changed after that date. To find out what may have changed, call us at 1-800-926-0003, visit our website at www.clearviewfcu.org or write us at: Clearview Federal Credit Union, Attn: Visa Department, 8805 University Blvd., Moon Township, PA 15108.
Rates, Fees and Terms May Change: We have the right to change the account terms (including APR) in accordance with your Cardmember Agreement.

APR = Annual Percentage Rate. The index to determine the APR will be the Prime Rate found in the Money Rates section of the "Wall Street Journal" in effect on the last day of the month. Changes in the index will cause changes in the APR on the first day of the billing cycle immediately following any such change in the index. The APR is determined by adding a margin based on your creditworthiness to the index. Rate may change based on a review of your credit. All cash advances and balance transfers will accrue interest from the day the advance or transfer was made. Penalty APR may be applied to your promotional balances if you make a late payment, during the balance transfer introductory period.

APR = Annual Percentage Rate. All balance transfers completed during the period of February 1, 2012 – April 30, 2012, will be subject to an Introductory Monthly Periodic Rate of 0% (corresponding Annual Percentage Rate 0%) until May 27, 2013, at which time the periodic rate will increase to the standard variable rate that we have disclosed separately.