Lancaster Location:

Lan-Fair FCU
926 Prestige Boulevard
Lancaster, OH 43130

Office: 740-654-2886

Fax: 740-654-5011

Pickerington Location:

Lan-Fair FCU
35 West Columbus Street
Pickerington, OH 43147

Office: 614-834-5610

Fax: 614-834-5687

Email Address:
msr@lanfairfcu.org

Hours

Mon:	9:30 - 4:45
Tues:	9:30 - 4:45
Wed:	9:30 - 4:45
Thurs:	9:30 - 4:45
Fri:	9:30 - 5:30

APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates

Rates as of 4/20/2009.
Rate Description	Term	Payment Description	APR	APR Type
Shares or Certificate Secured	Approximately 24 Months		4.75%	Fixed
Shares or Certificate Secured	Approximately 36 Months		4.85%	Fixed
Shares or Certificate Secured	Approximately 48 Months		4.90%	Fixed
Shares or Certificate Secured	Approximately 60 Months		5.00%	Fixed
New 2009 Models	Approximately 24 Months	No Downpayment	6.00%	Fixed
New 2009 Models	Approximately 36 Months	No Downpayment	6.25%	Fixed
New 2009 Models	Approximately 48 Months	No Downpayment	6.50%	Fixed
New 2009 Models	Approximately 60 Months	No Downpayment	6.75%	Fixed
New 2009 Models	Approximately 84 Months	10% Downpayment	7.00%	Fixed
New 2009 Models	Approximately 60 Months	No Downpayment	5.25%	Variable
New 2009 Models	Approximatly 84 Months	10% Downpayment	5.50%	Variable
Used 2006 to 2009 Models	Approximately 24 Months	5% Downpayment	6.50%	Fixed
Used 2006 to 2009 Models	Approximatly 36 Months	5% Downpayment	6.75%	Fixed
Used 2006 to 2009 Models	Approximatly 48 months	5% Downpayment	7.00%	Fixed
Used 2006 to 2009 Models	Approximatly 60 months	5% Downpayment	7.25%	Fixed
Used 2006 to 2009 Models	Approximatly 60 Months	5% Downpayment	5.50%	Variable
Used 2004 and 2005 Models	Approximatly 24 Months	10% Downpayment	7.00%	Fixed
Used 2004 and 2005 Models	Approximatly 36 Months	10% Downpayment	7.25%	Fixed
Used 2004 and 2005 Models	Approximatly 48 Months	10% Downpayment	7.50%	Fixed
Used 2004 and 2005 Models	Approximatly 48 Months	10% Downpayment	5.50%	Variable
Used 2002 and 2003 Models	Approximatly 24 Months	10% Downpayment	7.50%	Fixed
Used 2002 and 2003 Models	Approximatly 36 Months	10% Downpayment	7.75%	Fixed
Used 2002 and 2003 Models	Approximatly 36 Months	10% Downpayment	5.50%	Variable
Used 2001 and Older Models	Approximatly 24 Months	10% downpayment	8.00%	Fixed
Used 2001 and Older Models	Approximatly 36 Months	10% Downpayment	8.25%	Fixed
Used 2001 and Older Models	To Approximatly 36 Months	10% Downpayment	5.50%	Variable
Guarantor	Approximatly 36 Months		13.00%	Fixed
Line of Credit/Signature	Approximatly 42 Months		10.49%	Variable
Share Draft Overdraft Reserve	Approximatly 42 Months		10.49%	Variable
Home Equity	Varies: 72 to 240 Months	20% Equity Required	5.955%	Variable
First Mortgage	Over 15 Years/6.25%	Typical Credit Scores	6.2954%	Fixed
First Mortgage	15 Years or Less/6.00%	Typical Credit Scores	6.0732%	Fixed
First Mortgage	Over 15 Years/6.00%	Excellent Credit Scores	6.0437%	Fixed
First Mortgage	15 Years or Less/5.75%	Excellent Credit Scores	5.8210%	Fixed
First Mortgage	Over 15 Years/6.75%	Low Acceptable Credit Scores	6.7988%	Fixed
First Mortgage	15 Years or Less/6.50%	Low Acceptable Credit Scores	6.5775%	Fixed

Members should call the credit union to verify rates.
Other loans and rates are available, contact the Credit Union for more information.

Certificates

Rates as of 4/20/2009.
Rate Description	Term	Dividend Rates	APY
Certificate (Min. $500.00)	6 Months	2.00%	2.020%
Certificate (Min. $500.00)	12 Months	2.15%	2.170%
Certificate (Min. $500.00)	18 Months	2.25%	2.270%
Certificate (Min. $500.00)	24 Months	2.35%	2.380%
Certificate (Min. $500.00)	60 Months	3.10%	3.140%
Certificate (Min. $10,000.00)	182 Days	2.05%	2.070%
Certificate (Min. $25,000.00)	182 Days	2.10%	2.120%

NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Savings/Shares Rates

Rates as of 4/20/2009.
Rate Description	Term	Dividend Rates	APY
Regular Share (Savings)	Monthly	1.05%	1.060%
Christmas Share	Monthly	1.05%	1.060%
Vacation Share	Monthly	1.05%	1.060%
Share Draft Accounts	Monthly	.75%	0.750%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Share Draft

Rates as of 4/20/2009.
Rate Description	Term	Dividend Rates	APY
Share Draft	Monthly on Daily Balance above $500	0.750%	0.750%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

VARIABLE RATE LOANS: The Annual Percentage Rate (APR) for advances and existing balances will change on the 1st day of each quarter (January, April, July, October) to reflect any change in the index which is the Prime Rate as published in the Wall Street Journal. To calculate the new rate, we will use the most recent value available to us ten days before the date of any annual percentage rate adjustment plus the applicable percentage shown in the "Percent Above Index" column above. The APR will never be less than the rate shown in the "Minimum APR" column above nor greater than 15.00% or the maximum rate allowed by state law or the NCUA from time to time, whichever is less. Any increase in the APR will take the form of more payments of the same amount until what you owe has been repaid.

VARIABLE RATE ON HOME EQUITY LOANS: The Annual Percentage Rate (APR) for new variable rate advances and existing balances will change on the 1st day of each quarter (January, April, July, October) to reflect any change in the index which is the Monthly Weighted Average Cost of Funds for the 11th FHLB District institutions. To calculate the new rate, we will use the most recent value available to us ten days before the date of any annual percentage rate adjustment plus the applicable percentage shown in the "Percent Above Index" column above. Under no circumstances will your ANNUAL PERCENTAGE RATE exceed 14.98% or go below 7.95% unless there is a special promotion on process.

"Down Payment" refers to vehicle purchases. "Equity" refers to Home Equity and Vehicle Equity when an advance is requested for non-purchase money with a vehicle as security.

Additional Information about Lan-Fair FCU Loans

Vehicle Loans:

Some dealers and manufacturers continue to offer the choice of lower interest rates or sizable rebates. Many Lan-Fair members are taking the rebate and financing at the credit union. Frequently, that combination provides an opportunity for substantial savings.

If you will be purchasing a vehicle or considering the purchase of a vehicle you are currently leasing, give us a call. Lan-Fair rates are low and Life Insurance up to $20,000 is automatically provided at no charge to you, the member, until you are 70 years of age.

Vehicle rates also apply to other Ohio titled personal property.

Unsecured Lines of Credit and Share Draft Overdraft Protection Rates:

Depending on the length of credit union membership and the length of your employment, these Lines of Credit vary from $1,000 to $10,000. Your monthly payment is $3.00 per $100 or part of $100 balance after the most frequent advance.

Home Equity Lines of Credit:

Lines of Credit are available up to $100,000 depending on the equity you have in your home.