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Home About Us Services	Loans Auto Loans (Rates as low as): NEW AUTO 48 MONTHS.....6.35% APR* 60 MONTHS.....6.50% APR 66 MONTHS.....6.75% APR USED AUTO 2001 OR NEWER 48 MONTHS.....7.99% APR 60 MONTHS.....8.25% APR 2000 AND 1999 48 MONTHS.....9.99% APR 1998 AND OLDER 36 MONTHS....12.00% APR MOTORCYCLES...USE CAR RATES APR = Annual Percentage Rate. Rates effective as of 9/1/2006

Shared Pledged Loans Use the savings (shares) you have accumulated to get you the best rate for your loan. Any loan covered dollar for dollar with a savings account pays only 5.90% APR for the loan while their savings continues to earn a dividend. You may also pledge your certificate at a reduced rate based on the current rates of certificates. Rates effective as of 9/1/2006. APR = Annual Percentage Rate 2nd Mortgage (Home Equity Loans) BASED ON THE EQUITY YOU HAVE IN YOUR HOME UP TO 5 YEARS REPAYMENT ......7.00% UP TO 10 YEARS REPAYMENT....8.00% EXPENSES INCURRED FOR APPRAISAL AND LEGAL DOCUMENTS, ETC ARE THE RESPONSIBILITY OF THE BORROWER (APPROX $500.00) MORTGAGE LOANS St. Colman & Affiliates FCU has partnered with eChoiceSolutions, LCC to offer mortgages services. Whether you are buying a new home or refinancing, we understand that your circumstances are unique that is why we partnered with someone who specializes in mortgages solutions that fit YOUR needs. Applying for your mortgage loan is simple: * Apply in person * Contact eChoiceSolutions 877-221-5511 option 3 * Apply online at http://www.ecstoday.com eChoiceSolutions is an Equal Housing Lender.