Welcome to Olean Area Federal Credit Union

LOAN RATES

Auto (2003 & newer)
APR as low as 4.50%.
Rates are based on your credit history and term.
You may be eligible for a discount of .25% for loans set up as automatic transfers from your credit union account.

New Auto	2003 and newer
36 months	4.50% - 14.99%
37-60 months	4.50% - 14.99%
61-72 months	4.75% - 15.99%
73-84 months	5.50% - 15.99%

Rates effective June 5, 2008.
Call (716) 372-6607 to apply.
APR: 4.50%

Other Secured Loan
Flexible Terms.
APR as low as 6.99%.

Other Secured Loan	Rates
36 months	6.99% - 16.49%
37-60 months	7.49 - 16.99%
over 60 months	Call for rates

Rates include Autos 2002 and older.
Rates effective April 8, 2008.
Call (716) 372-6607 for available terms and to apply.

Unsecured Loan
APR as low as 9.9%.

Unsecured	Rates
up to 60 months	9.90% - 17.99%
over 60 months	Call for rates

Rates effective January 1, 2008.
Call (716) 372-6607 for available terms.

Line Of Credit
APR - 9.90% payment is 2% of outstanding balance.
Call (716) 372-6607 to apply.
APR: 9.90%

VISA Credit Card
Low fixed-rate, no annual fee VISA.
APR 9.90% with payment 2% of balance.
Call (716) 372-6607 to apply.
APR: 9.90%

Share Savings Secured
Flexible Terms.
APR from 4.50% to 7.00% depending on term.
Call (716) 372-6607 for available terms and to apply.

Share Certificate Secured
APR is 2% above the Share Certificate rate.
Rate may change at Share Certificate maturity.
Call (716) 372-6607 to apply.

Mortgage Rates
Please call the Credit Union at (716) 372-6607 for current mortgage rates and available terms.

SHARE ACCOUNT RATES

Variable Rate Accounts
For all share accounts, except Share Certificates, the dividend rate may change after the account is opened.

Share Savings Account

Plateau Range	Dividend Rate	Annual Percentage Yield
$300.00 - $9,999.99	0.75%	0.75%
$10,000.00 - $24,999.99	0.75%	0.75%
$25,000.00 and over	1.00%	1.00%

Dividend Rate Effective: 01/01/08.
Call for details (716) 372-6607.

Money Market Shares
$2,500 Minimum balance to open.

Plateau Range	Dividend Rate	Annual Percentage Yield
$2,500 - $9,999.99	1.98%	2.00%
$10,000 - $24,999.99	2.23%	2.25%
$25,000 - $49,999.99	2.47%	2.50%
$50,000 - $99,999.99	2.72%	2.75%
$100,000+	2.96%	3.00%

Dividend Rates Effective 01/01/08
Call (716) 372-6607 for details.

Share Draft Checking
$300.00 minimum balance for dividends (if dividends are currently being paid).
This fee could reduce the earnings on the account.
Call (716) 372-6607 for details.

Individual Retirement Account (IRA) Savings

Dividend Rate 2.00% Annual Percentage Yield 2.02%
Call for details (716) 372-6607.

Share Certificates

$500 Minimum	Dividend Rate	Annual Percentage Yield
2 - 5 Months	2.47%	2.50%
6 - 11 Months	2.72%	2.75%
12 - 23 Months	2.96%	3.00%
24 - 35 Months	3.45%	3.50%
36 - 47 Months	4.17%	4.25%
48 - 59 Months	4.17%	4.25%
60 Months	4.17%	4.25%

*25 Month Special 3.93% 4.00%

There may be a penalty for early withdrawal.
Dividend Rates effective 07/18/08.
Call for details (716) 372-6607.

APR - Annual Percentage Rate
APY - Annual Percentage Yield


		Auto (2003 & newer) as low as APR: 4.50% Home Equity Loan APR: 5.49% VISA Credit Card APR: 9.90%