With Maximum Loan Rate Discounts
Term	Annual Percentage Rate
36 Months	5.40%
48 Months	5.60%
60 Months	5.60%
72 Months**	5.85%
Without Maximum Loan Rate Discounts
36 Months	6.30%
48 Months	6.50%
60 Months	6.50%
72 Months**	6.75%

**Over $25,000

Higher rates may apply on applications with higher indications of credit risk. Creighton Federal reserves the right to adjust rates based on applicant credit history and credit score.

Finance up to 100% of the purchase price of a new auto. NADA New Car, Truck and SUV Values are available by calling any CFCU office. A loan calculator is available to help you compute your monthly payments. Access the Fuel Economy Guide showing fuel economy data for new and used passenger vehicles. For more help purchasing a vehicle, turn to Creighton Federal's Vehicle Loan Information, or contact Ron at 402-341-2121.

Apply onlineor pick up a loan application at any Creighton Federal office, or call 402-341-2121 and one will be faxed or mailed to you.

Disclosures
THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT CREIGHTON FEDERAL CREDIT UNION’S CLOSED END-CREDIT LOANS. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS. Terms Subject to Change. The rates contained herein are for illustration purposes only. The terms described in this disclosure are subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed (other than the annual percentage rate) and you decide, as a result, not to obtain a loan from us, you would be entitled to a refund of any fees that you paid in connection with your application. Terms of Repayment. Interest rates for closed end credit are fixed. For example, the following repayment terms would apply: For New Automobiles-Fixed Rate 7.30%-36 monthly payments of $30.56 per $1000 borrowed: Fixed Rate of 6.50%-48 monthly payments of $23.71 per $1000 borrowed, Fixed Rate of 6.50%-60 monthly payments of $19.57 per $1000 borrowed, Fixed Rate of 6.75%-72 monthly payments of $16.93 per $1000 borrowed. Maximum Discounts applied..

With Maximum Loan Rate Discounts
Model Year	Term	Annual Percentage Rate
2008 - 2007	60 Months	5.60%
2006	54 Months	5.85%
2005	48 Months	5.85%
2004	42 Months	6.09%
2003 or Older	CALL	6.35%
Without Maximum Loan Rate Discounts
2008 - 2007	60 Months	6.50%
2006	54 Months	6.75%
2005	48 Months	6.75%
2004	42 Months	6.99%
2003 or Older	CALL	7.25%

Higher rates may apply on applications with higher indications of credit risk. Creighton Federal reserves the right to adjust rates based on applicant credit history and credit score.

Finance up to 100% of the purchase price of a used vehicle. NADA Used Car, Truck and SUV Values are available by calling any CFCU office. A loan calculator is available to help you compute your monthly payments. Link to a Fuel Economy Guide showing fuel economy data for new and used passenger vehicles. For more help purchasing a vehicle, turn to Creighton Federal's Vehicle Loan Information, or contact Ron at 402-341-2121.

Apply online or pick up a loan application at any Creighton Federal office, or call 402-341-2121 and one will be faxed or mailed to you.

Disclosures
THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT CREIGHTON FEDERAL CREDIT UNION’S CLOSED END-CREDIT LOANS. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS. Terms Subject to Change. The rates contained herein are for illustration purposes only. The terms described in this disclosure are subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed (other than the annual percentage rate) and you decide, as a result, not to obtain a loan from us, you would be entitled to a refund of any fees that you paid in connection with your application. Terms of Repayment. Interest rates for closed end credit are fixed. For example, the following repayment terms would apply: For Used Automobile for model years, 2008-2007, Fixed Rate of 6.50%-60 monthly payments of $19.57 per $1000 borrowed, for model year 2006, Fixed Rate of 6.75%-54 monthly payments of $21.41 per $1000 borrowed, for model year 2005, Fixed Rate of 6.75%-48 monthly payments of $23.83 per $1000 borrowed, for model year 2004, Fixed Rate of 6.99%-42 monthly payments of 26.91 per $1000 borrowed, for model 2002 or older, Fixed Rate of 7.25%-36 or less monthly payments of $30.99 per $1000 borrowed. Maximum discount applied.

Here's how we'll save you time, money and aggravation on your next vehicle purchase. Let Creighton Federal be your one-stop auto information source when you are ready to buy a new or used car, truck, or SUV. Creighton Federal offers 100% financing for new and used vehicles. NADA new and used Car, Truck and SUV Values are available by calling any CFCU office. A loan calculator is available to help you compute your monthly payments. The following services are available to make you an informed and prepared auto shopper.

Loan Pre-Approval
Apply for your loan before you begin shopping for your car. Auto dealers will roll out the red carpet for you once they know you are a serious buyer who can already pay for the purchase. In addition, you can negotiate your best deal if you separate the purchase price of the car from the financing of it. Apply Online.

Enterprise Auto Sales
Buy smart from Enterprise Car Sales. No-haggle pricing on late model, low mileage, certified vehicles. All cars come with a limited powertrain warranty, roadside assistance, and a 7 day repurchase agreement if the car is not right. No questions asked. Trade-ins gladely accepted. Shop online at Enterprise Car Sales.

Low Cost Auto Loans
Money-saving, loan rate discounts on loans for new or used cars, trucks and SUVs. Lower the interest rate on your loan by using other CFCU services. Go to Loan Rate Discount Program. A loan calculator can help you compute your monthly payment.

Extended Warranties
Low cost "peace of mind" insurance for out-of-warranty vehicles, at 20% to 50% less than dealerships. Go to Route 66 Warranty for more information.

Members Auto Insurance
High quality, low cost auto insurance provided by Liberty Mutual Insurance Company. Click [here] for more information and an online quote, or call 1-888-380-9287.

Recreational Vehicle, Motorcycle and Boat Loans
Creighton Federal will finance the purchase of RVs, motorcycles, and boats. Please call the loan department at 402-341-2121 for rates and terms.

Creighton Federal is able to offer members a complete range of very competitively priced mortgage options through our mortgage lending partner, Centennial Lending.

Mortgage options are many and can be confusing. Members can choose:

• Fixed rate, 30 and 15 year mortgages
• Adjustable rate mortgages
• Balloon loans
• Zero down-payment loans
• Interest-only and hybrid adjustable and fixed rate loans

Creighton Federal also offers a special 10/30 mortgage with half the closing costs of a traditional mortgage and no escrow requirement.

Creighton Federal can help you answer your mortgage questions with informative articles and interactive tools. Online calculators can help you decide:

• How much would my monthly payment be?
• How much can I save with a 15 year mortgage?
• Can I save money by refinancing now?
• Should I buy a home or continue to rent?
• How quickly can I pay off my mortgage by making additional payments?
• Does it make sense to pay points to get a lower rate?

Online articles help you learn about:

• Loan Programs, Rates, and Fees
• Applying for a Mortgage
• Your Property
• Closing & Beyond
• Glossary of Unfamiliar Terms

When you’re ready to apply, the online loan application is simple, fast, easy, and secure. Click on the Centennial Lending link. Choose a loan program and interest rate. Your payment, closing costs and pre-paid items will be calculated for you. Want to reduce or eliminate your closing costs? Centennial Lending gives you options, all at very competitive rates. You can apply safely and securely with the easy, point and click online application anytime, 24/7.

Interested in pre-qualifying for a loan before you shop for your dream home? Centennial Lending can help with their pre-qualification wizard to help you better focus your search.

Call a Centennial Lending Member Representative at 1-866-588-1100 toll free for answers to your questions or to arrange a consultation. Or, visit them online at Centennial Lending.

Members Homeowners Insurance
Creighton Federal has teamed with Liberty Mutual Insurance company to offer you exclusive savings and discounts on homeowners insurance. Click [here] for more information and an on-line quote, or call 1-888-380-9287.

FIRST TIME HOME BUYERS
For help in taking that big step of buying your first home, call Creighton Federal's loan center for help in explaining your options.

Term	Annual Percentage Rate
Introductory Rate	5.25%

Idexed to the Wall Street Journal Prime. Rate + 0%, adjusted semi-annually. Loan Rate Discounts Do Not Apply.

Complete a Home Equity Line of Credit App. online

Utilize the equity in your home to borrow money for a wide variety of purchases, and get a tax break too. *An ideal loan for home renovation or improvement projects, new car purchases, college education expenses and much more. At Creighton Federal, you can get a fixed-rate, fixed-term home equity loan, or opt for the convenience of a home equity line of credit. Call Ron at 402-341-2121 or 1-800-967-1477 and ask how a Creighton Federal Home Equity Line of Credit can work you.

*The interest paid on a home equity loan may be tax deductible.

Disclosures
OPEN-END CREDIT-HOME EQUITY LINES OF CREDIT THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT CREIGHTON FEDERAL CREDIT UNION’S HOME EQUITY LINE OF CREDIT LOANS. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.Terms Subject to Change. The rates contained herein are for illustration purposes only. The terms described in this disclosure are subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed (other than the annual percentage rate) and you decide, as a result, not to obtain a home equity loan from us, you would be entitled to a refund of any fees that you paid in connection with your application. Fees. No loan fee calculated as a percentage of the credit limit to be extended or any other fee is imposed by Creighton Federal Credit Union or by a third party for establishing the loan account or the making of the loan. However, certain costs will be incurred by the borrower which may include the actual costs for verification of estimated market value of the property, title lien search, flood plain certification, fee of the closing agent, filing fees and other incidental costs incurred by the credit union or the borrower for services required to complete the loan transactions. These fees generally total between $100 and $1,500. If you ask, we will give you an itemization of the fees you may have to pay for this transaction. The Annual Percentage Rate. This type of loan has a variable rate feature, and the annual percentage rate, corresponding to the periodic rate, can change as a result. As a result of the changed interest rates, the minimum payment amount will change unless specifically requested by the borrower. An increase in interest may increase payment(s). The annual percentage rate includes only interest and not other costs. The annual percentage rate is based on the indexed Wall Street Prime. Rate Changes. The rate may change semi-annually. The index rate used will be as of 10 days before the date of any rate adjustment. The loan rate will increase or decrease as the index increases or decreases from time to time. The credit union, at its sole discretion, may elect to change a rate that is less than the index rate. Contact the credit union for current index rate. After you open a credit line, rate information will be provided on periodic statements that will be sent to you. Maximum Rate and Payment Examples. The annual percentage rate can change each month. THERE IS NO MAXIMUM ANNUAL PERCENTAGE RATE THAT CAN APPLY. Payments are 2% of monthly balance or $10.00 minimum.

Term	Annual Percentage Rate
1 to 5 Years (With Maximum Loan Rate Discounts)	5.40%
1 to 5 Years	6.30%
6 to 10 Years**	7.30%

**Loan Rate Discount Do Not Apply

Higher rates may apply on applications with higher indications of credit risk. Creighton Federal reserves the right to adjust rates based on applicant credit history and credit score.

Complete a Fixed Rate Home Equity Loan App. Online

Utilize the equity in your home to borrow money for a wide variety of purchases, and get a tax break too.* An ideal loan for home renovation or improvement projects, new car purchases, college education expenses and much more. At Creighton Federal, you can get a fixed-rate, fixed-term home equity loan, or opt for the convenience of a home equity line of credit. Call Ron at 402-341-2121 or 1-800-967-1477 and ask how a Creighton Federal Fixed Rate Home Equity Loan can work you.

*The interest paid on a home equity loan may be tax deductible. A loan calculator is available to help you compute your monthly payments.

Disclosures
CLOSED-END CREDIT THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT CREIGHTON FEDERAL CREDIT UNION’S CLOSED END-CREDIT LOANS. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS. Terms Subject to Change. The rates contained herein are for illustration purposes only. The terms described in this disclosure are subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed (other than the annual percentage rate) and you decide, as a result, not to obtain a loan from us, you would be entitled to a refund of any fees that you paid in connection with your application. Terms of Repayment. Interest rates for closed end credit are fixed. For example, the following repayment terms would apply:

For closed ended Fixed Rate Home Equity Loans, Fixed rate of 6.30%-12 monthly payments of $86.21 per $1000 borrowed or 24 monthly payments of $44.46 per $1000 borrowed, or 36 monthly payments of $30.56 per $1000 borrowed, or 48 monthly payments of $23.62 per $1000 borrowed, or 60 monthly payments of $19.47 per $1000 borrowed, discounts not applied. Fixed Rate of 7.30%-72 monthly payments of $17.06 per $1000 borrowed, or 84 monthly payments of $15.24 per $1000 borrowed, or 96 monthly payments of $13.78 per $1000 borrowed, or 108 monthly payments of $12.66 per $1000 borrowed, or 120 monthly payments of $11.77 per $1000 borrowed.

First-of-its-Kind CFCU Card Carries a Rate as Low as 6.99%*, Pays You Cash Back and More!
With offers of “0%” credit cards from some of the biggest names in banking nationally filling your mailbox, why would you want to choose Creighton Federal’s new Platinum Prime VISA®? Why wouldn’t you? *As of 5-1-2008.

Creighton Federal’s New Platinum Prime VISA® Card

• Study participants were much happier with cards issued by credit unions - both the cards and the customer service.
• CFCU’s new Platinum Prime VISA® offers rates as low as 6.99%* on unpaid balances, carries no annual fee, no cash advance fee and no balance transfer fee.
• A Platinum Prime VISA® pays up to 1% cash back on all purchases.
• Cash back can be paid directly to you or as a tax-deductible donation to your choice of CFCU supported organizations - Creighton University or College of St. Mary Athletics; Bergan Mercy Auxiliary; Mercy Hospital Guild; St. James/Seton School, St. Bernard School, or St. Pius X/St. Leo School.

Your Card is Waiting!
Apply today and be one of the first in the city to take advantage of the money saving and cash back benefits of this fantastic, new card. Email your application request, download your application (members need to print out the application, complete, sign, and mail or fax to CFCU's Main Office), or you can apply at any Creighton Federal branch or by calling 402-341-2121 or 1-800-967-1477 and ask for a printed application.

Creighton Federal's Platinum Prime VISA Credit Card Information

Annual Percentage Rate (APR) for Purchases	6.99 to 15.99% APR as of 2-1-08 depending on how you meet our credit criteria.
Other APRs	Balance Transfer & Cash Advance: 6.99 to 15.99% APR as of 2-1-08 depending on how you meet our credit criteria.
Variable Rate Information	Your annual percentage rate may very monthly. The rate is determined by adding a margin to the Prime Rate. The margin is 1.99% to 9.99%.
Grace Period	25 days for purchases only
Method of computing the balance for purchases	Average daily balance method including new purchases.
Minimum Finance Charge	NONE
Other Fees	Cash Advance Fee: NONE Balance Transfer Fee: NONE Late Payment Fee: $20.00 Overlimit Fee: $20.00

Go Online and Get Your Credit Card Information Between Statements.
Secure, password protected site, a wealth of information whenever you want it. Now you don't have to wait until you receive your next credit card statement to know what your minimum payment will be. Go to eZCardInfo. Enter your account number, then enter the three-digit access code located in the signature block on the back of your card. This site will tell you everything you want to know:

• Current Balances
• Credit Limit
• Minimum Payment
• Due Date
• Past Payments and lots more!

Verified by VISA
Take the VISA card you already use, add a password to confirm your identity, and you've got Verified by VISA - the new service exclusively for VISA cardholders. Add online protection with the VISA card you already have:

• Password is linked to your card, not your computer.*
• Help prevent unauthorized purchases before they even happen
• Shop online with added security and peace of mind
• Create your own password today

* Verified by VISA will require Microsoft Internet Explorer 4.01 and above, Netscape Navigator 4.08 and above, or AOL 5x and above.

Pay Your VISA Bill Automatically
Pay your monthly Creighton Federal VISA bill automatically, from a checking or savings account at ANY financial institution. Pay the minimum, all, or a fixed part of each monthly balance, without writing a check or mailing a payment. Fill out an online agreement for preauthorized payments, or pick up a form at any location. Or, call 402-341-2121 and one will be faxed or mailed to you.

Disclosures
OPEN-END CREDIT-OTHER THAN HOME EQUITY LINES OF CREDIT THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT CREIGHTON FEDERAL CREDIT UNION’S OPEN END LOANS OTHER THAN THOSE INVOLVING HOME EQUITY LINES OF CREDIT. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.Terms Subject to Change. The rates contained herein are effective as of February 1, 2000. However, the terms described in this disclosure are subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed (other than the annual percentage rate) and you decide, as a result, not to obtain a loan from us, you would be entitled to a refund of any fees that you paid in connection with your application. Finance Charges. No minimum, fixed, transaction, activity or similar charge is associated with Creighton Federal Credit Union open ended credit. The Annual Percentage Rate. The applicable annual percentage rate for open ended credit loans is as provided for in the above rate information.

Other Platinum VISA advantages include:

• $250,000 in Travel Accident Insurance
• Auto rental collision coverage
• 24/7 online account information, and recent transactions
• Online access to current and up to 18 months of past statements
• Priority Alerts – free email notices about the status of your account or
  a personal occasion
• Customized expense reports
• Online payment of your Platinum VISA from an account at any financial institution
• Verified by VISA – protection from unauthorized online purchases

Apply Online

Lost or Stolen VISA Cards, Please Call: 1-800-808-7230

Annual Percentage Rate	14.9% Fixed For Purchases, Balance Transfers, and Cash Advances
Variable Rate	None
Grace Period	For repayment of the balance owed for purchase: 25 Days
Method of computing the balance for purchase	Average daily balance including new purchases
Annual Fee	None
Minimum Finance Charge	None
Annual Review for Increased Credit	Automatic
Transaction Fee for Purchases	None
Cash Advance Fee	None

Go Online and Get Your Credit Card Information Between Statements
Secure, password protected site, a wealth of information whenever you want it. Now you don't have to wait until you receive your next credit card statement to know what your minimum payment will be. Go to eZCardInfo. Enter your account number, then enter the three-digit access code located in the signature block on the back of your card. This site will tell you everything you want to know:

• Current Balances
• Credit Limit
• Minimum Payment
• Due Date
• Past Payments and lots more!

Verified by VISA
Take the VISA card you already use, add a password to confirm your identity, and you've got Verified by VISA - the new service exclusively for VISA cardholders. Add online protection with the VISA card you already have:

• Password is linked to your card, not your computer.*
• Help prevent unauthorized purchases before they even happen
• Shop online with added security and peace of mind
• Create your own password today

* Verified by VISA will require Microsoft Internet Explorer 4.01 and above, Netscape Navigator 4.08 and above, or AOL 5x and above .

To apply, simply complete the visa application form online. You will receive a full agreement, disclosure statement and your billing rights after your card is issued. Creighton Federal's Classic VISA is also available on a collateral secured basis. A deposit can be pledged to secure a credit limit on a Classic Visa to members who would not otherwise qualify for a credit card. Apply for the Classic VISA online or pick up a loan application at any Creighton Federal office, or call 402-341-2121 and one will be faxed or mailed to you.

Pay Your VISA Bill Automatically
Pay your monthly Creighton Federal VISA bill automatically, from a checking or savings account at ANY financial institution. Pay the minimum, all, or a fixed part of each monthly balance, without writing a check or mailing a payment. Fill out an online agreement for preauthorized payments, or pick up a form at any location. Or, call 402-341-2121 and one will be faxed or mailed to you.

Disclosures
OPEN-END CREDIT-OTHER THAN HOME EQUITY LINES OF CREDIT THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT CREIGHTON FEDERAL CREDIT UNION’S OPEN END LOANS OTHER THAN THOSE INVOLVING HOME EQUITY LINES OF CREDIT. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.Terms Subject to Change. The rates contained herein are effective as of February 1, 2000. However, the terms described in this disclosure are subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed (other than the annual percentage rate) and you decide, as a result, not to obtain a loan from us, you would be entitled to a refund of any fees that you paid in connection with your application. Finance Charges. No minimum, fixed, transaction, activity or similar charge is associated with Creighton Federal Credit Union open ended credit. The Annual Percentage Rate. The applicable annual percentage rate for open ended credit loans is as provided for in the above rate information.

With Maximum Loan Rate Discounts
Term	Annual Percentage Rate
12 Months or Less	8.09%
13 to 24 Months	9.09%
25 to 36 Months	10.09%

Without Maximum Loan Rate Discounts
Term	Annual Percentage Rate
12 Months or Less	8.99%
13 to 24 Months	9.99%
25 to 36 Months	10.99%

Higher rates may apply on applications with higher indications of credit risk. Creighton Federal reserves the right to adjust rates based on applicant credit history and credit score.

With only your signature, loans are available for a wide variety of purposes including personal computer, vacations, medical bills, major appliances and furnishings, bill consolidation and other needs.

Apply online or pick up a loan application at any Creighton Federal office, or call Ron at 402-341-2121 and one will be faxed or mailed to you. A loan calculator is available to help you compute your monthly payments.

Disclosures
CLOSED-END CREDIT THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT CREIGHTON FEDERAL CREDIT UNION’S CLOSED END-CREDIT LOANS. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.Terms Subject to Change. The rates contained herein are for illustration purposes only. The terms described in this disclosure are subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed (other than the annual percentage rate) and you decide, as a result, not to obtain a loan from us, you would be entitled to a refund of any fees that you paid in connection with your application. Terms of Repayment. Interest rates for closed end credit are fixed. For example, the following repayment terms would apply: For Closed Ended Fixed Rate Unsecured Loans, Fixed Rate of 8.99%-12 monthly payments of $87.47 per $1000 borrowed, or 9.99%-24 monthly payments of $46.15 per $1000 borrowed, or 10.99%-36 monthly payments of $32.74 per $1000 borrowed.

Type	Annual Percentage Rate
Savings Secured	5.00%
Certificate Secured	CD Rate + 1.5%

Use your deposit in a savings account or regular certificate as collateral for a share secured loan. With a share secured loan the interest rate is lower than with an unsecured personal loan. Your deposit continues to earn interest while you repay the loan reducing even further your cost for borrowing money.

Apply online or pick up a loan application at any Creighton Federal office, or call Ron at 402-341-2121 and one will be faxed or mailed to you. A loan calculator is available to help you compute your monthly payments.

Disclosures
CLOSED-END CREDIT THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT CREIGHTON FEDERAL CREDIT UNION’S CLOSED END-CREDIT LOANS. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.Terms Subject to Change. The terms described in this disclosure are for illustration purposes only and subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed (other than the annual percentage rate) and you decide, as a result, not to obtain a loan from us, you would be entitled to a refund of any fees that you paid in connection with your application. Terms of Repayment. For Closed Ended Secured Share Loans-Savings Secured, Fixed Rate of 5.00%-12 monthly payments of $85.62, Certificate Secured, Fixed Rate of CD Rate plus 1.5%, thus using current rates, Fixed Rate of 4.17%-36 monthly payments of $29.98 per $1,000 borrowed.