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	CFCU Visa Disclosure Annual Percentage Rate (APR) 11.0% Variable Annual Percentage Rate (APR) 14.25% Fixed Annual Percentage Rate (APR) 8.25% Relationship Fixed Variable Rate Information Your Annual Percentage Rate may vary. The rate is determined by adding 2.75% to the Wall Street Prime Rate adjusted quarterly. Annual Membership Fee None Grace Period for Purchases You have 25 days to repay your balance for purchases before being charged a Finance Charge. Minimum Finance Charge None Balance Calculation Method for Purchases and Cash Advances. Average Daily Balances Including New Purchases/Cash Advances. Transaction Fee for Purchases None Transaction Fee for Cash Advances None Other Fees: Late Charge: $25.00 Overlimit Charge: $25.00 The disclosures stated above are rates and fees in effect as of 4/1/2005 and are subject to change. You may contact us for current rates or changes at 1-800-237-8064 or write P.O. Box 3000J, Harbor, OR 97415-0545.

	CFCU Student VISA Disclosure Annual Percentage Rate (APR) 9.0% Variable Variable Rate Information Your Annual Percentage Rate may vary. The rate is determined by subtracting individual's previous school year's Grade Point Average from the Index rate of 9%.  Rate adjusted annually. Annual Membership Fee None Grace Period for Purchases You have 25 days to repay your balance for purchases before being charged a Finance Charge. Minimum Finance Charge None Balance Calculation Method for Purchases and Cash Advances. Average Daily Balances Including New Purchases/Cash Advances. Transaction Fee for Purchases None Transaction Fee for Cash Advances None Other Fees: Late Charge: $25.00 Overlimit Charge: $25.00 The disclosures stated above are rates and fees in effect as of 3/14/2007 and are subject to change. You may contact us for current rates or changes at 1-800-237-8064 or write P.O. Box 3000J, Harbor, OR 97415-0545.

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