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RATES
Rates last updated May 1, 2008


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Loan Rates
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DEPOSITS
SAVINGS
Account Type Minimum Deposit to
Obtain APY
Interest Rate % Annual Percentage
Yield (APY) %
Passbook* $100 0.75 0.75
Statement* $100 0.75 0.75
Holiday Club $1 1.00 1.00
Vacation Club $1 1.00 1.00
CyberSaver Promo
1st 90 days
$100 3.30 3.34
CyberSaver $0 - $24,999.99 2.45 2.47
CyberSaver $25,000+ 3.10 3.14
CyberSaver Supreme $100,000 3.15 3.20
CHECKING
NOW Checking* $300 0.15 0.15
MMDA* $1 - $2,499 0.15 0.15
MMDA $2,500 & Over 1.00 1.00
Money Maker $1.00 - $9,999.99 0.90 0.90
Money Maker $10,000 - $24,999 2.00 2.02
Money Maker $25,000.00 - $49,999.99 2.45 2.48
Money Maker $50,000 - 99,999 2.75 2.78
Money Maker $100,000 - 999,999 3.00 3.04
Rates are subject to change at any time after opening at the discretion of GCF.
CYBER CDARS
Account Type Minimum Deposit to
Obtain APY
Interest Rate % Annual Percentage
Yield (APY) %
4 Week $100,000 2.50 2.53
13 Week $100,000 2.60 2.63
26 Week $100,000 3.05 3.10
52 Week $100,000 3.45 3.51
2 Year $100,000 3.35 3.40
3 Year $100,000 3.50 3.56
5 Year $100,000 3.70 3.77
CERTIFICATES**
Account Type Minimum Deposit to
Obtain APY
Interest Rate % Annual Percentage
Yield (APY) %
91 Day $500 2.25 2.30
91 Day $2,500 2.25 2.31
91 Day IRA $500 2.25 2.30
6 Month $500 2.65 2.70
6 Month $2,500 2.65 2.72
6 Month IRA $500 2.65 2.70
9 Month $500 2.85 2.86
1 Year $500 2.95 2.98
1 Year IRA $500 2.95 2.98
13 Month N/A N/A N/A
15 Month $500 3.00 3.03
15 Month IRA $500 3.00 3.03
1 1/2 Year $500 3.15 3.19
1 1/2 Year IRA $500 3.15 3.25
2 Year Traditional $500 3.25 3.29
2 Year WiseChoice $2,500 3.25 3.29
2 Year IRA $500 3.25 3.30
2 1/2 Year $500 3.35 3.45
2 1/2 Year IRA $500 3.35 3.45
3 Year $500 3.45 3.56
3 Year IRA $500 3.45 3.56
3 1/2 Year $500 3.50 3.61
3 1/2 Year IRA $500 3.50 3.61
5 Year $500 3.87 4.00
5 Year IRA $500 3.87 4.00
7 Year $500 3.65 3.70
7 Year IRA $500 3.65 3.70

*   Fees may reduce earnings on these accounts.
**  A penalty may be assessed for early withdrawls on certificate accounts.


 
MORTGAGES
APR refers to Annual Percentage Rate
APRs shown based on $150,000 loan amount.
FIXED RATE - Loan Amounts up to $417,000
Term LTV% Points Rate% APR% 
30 Year 80 1 5.625 5.757
0 5.875 5.915
95 1 5.625 6.225
0 5.875 6.382
20 Year 80 1 5.375 5.550
0 5.625 5.678
95 1 5.375 5.918
0 5.625 6.048
15 Year 80 1 5.250 5.470
    0 5.500 5.567
95 1 5.250 5.796
0 5.500 5.896
10 Year 80 1 5.125 5.436
0 5.375 5.469
20% Down Payment * 80% LTV Program
For example, financing $150,000 for 180 months with 0-points at an interest rate of 5.500% with an APR of 5.567% would result in a monthly payment of $1,225.63 for principal and interest.

For example, financing $150,000 for 360 months with 0-points at an interest rate of 5.875% with an APR of 5.915% would result in a monthly payment of $887.31 for principal and interest.

5% Down Payment * 95% LTV Program
For example, financing $150,000 for 180 months with 0-points at an interest rate of 5.500% with an APR of 5.896% would result in a monthly payment of $1,225.63 for principal and interest. Monthly private mortgage insurance (PMI) is required due to an assumption of an LTV of 95% for this loan example, which will increase the stated monthly payment $77.50 for the first 46 payments.

For example, financing $150,000 for 360 months with 0-points at an interest rate of 5.875% with an APR of 6.382% would result in a monthly payment of $887.31 for principal and interest. Monthly private mortgage insurance (PMI) is required due to an assumption of an LTV of 95% for this loan example, which will increase the stated monthly payment $81.00 for the first 120 and $25.00 for the next 7 payments.

The above are only examples. GCF will be happy to provide you with specific information on your transaction upon your request.

Please contact GCF for information on loan amounts in excess of $417,000.


ADJUSTABLE RATE MORTGAGES - Loan Amounts up to $417,000
Product Term LTV% Points Rate% APR% 
3/1 30 Year 80 0 6.250 4.871
5/1 30 Year 80 0 6.500 5.390
The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index. Your initial interest rate may not be based on the index used to make later adjustments. If your initial rate is discounted, your interest rate on the first change date may increase even if the index remains the same. Please refer to the following examples of a 30 year ARM loan with a $150,000 loan amount (assuming a 20% down payment).

3 year ARM at an initial rate of 6.250%, the APR is 4.871%, subject to increase. Your payment schedule would be 36 payments of $923.58; 323 payments of $760.19; and 1 payment of $757.17.

5 year ARM at an initial rate of 6.500%, the APR is 5.390%, subject to increase. Your payment schedule would be 60 payments of $948.10; 299 payments of $790.48 and 1 payment of $788.82.

AFFORDABLE HOUSING AND FIRST TIME HOMEBUYER
Term LTV% Points Rate% APR%
30 Year 95 0 5.625 6.127
For example, financing $150,000 for 360 months with 0-points at an interest rate of 5.625% with an APR of 6.127% would result in 360 monthly payments of $863.48 for principal and interest. Monthly private mortgage insurance (PMI) is required for this loan example due to an assumption of an LTV greater than 80%, which will increase your monthly payment $81.25 for the first 120 payments and $25.00 for the next 4 payments. This is only an example. GCF will be happy to provide you with specific information on your transaction upon your request.


HOME EQUITY LOAN
Term LTV% Points Rate% APR% Min Loan Max Loan
1-5 Year 90 0 6.000 6.000 $5,000 $350,000
6-10 Years 90 0 6.250 6.250 $5,000 $350,000
11-15 Years 90 0 6.375 6.375 $5,000 $350,000
16-30 Years 90 0 6.875 6.875 $5,000 $350,000
There will be a recording fee associated with this product. This fee may range from $36.00 to $126.50 based on county and state where the property is located. New Jersey and Pennsylvania residents closing outside of a GCF branch office will be charged a closing fee of $150.00. Delaware is an attorney state, therefore, closing must be conducted by an attorney with a closing fee of $350.00.  If you close your loan within 12 months of the date upon which it is opened, you will be required to pay an early account closure fee of $250.00.

For example, financing $150,000 for a term of 180 months at an APR of 6.375% would result in 179 monthly payments of $1,295.56 and one payment of 1,294.41.

For example, financing $150,000 for a term of 360 months at an APR of 6.875% would result in 359 monthly payments of $984.90 and one payment of $982.45.

HOME EQUITY LINE OF CREDIT
Term LTV% Points Rate APR% Min Loan Max Loan
15 Year 90 0 Prime - .75% 4.50 $5,000 $350,000
There will be a recording fee associated with this product. This fee may range from $36.00 to $126.50 based on county and state where the property is located. New Jersey and Pennsylvania residents closing outside of a GCF branch office will be charged a closing fee of $150.00. Delaware is an attorney state, therefore, closing must be conducted by an attorney with a closing fee of $350.00. Property insurance is required. If the collateral is located in a designated flood hazard area, flood insurance will also be required. If you close your line of credit within 12 months of the date upon which it is opened, you will be required to pay an early account closure fee of $250.00.

Your monthly payment is 1/180th of the outstanding principal as of the last day of the billing cycle plus accrued interest.

Variable rate based on prime as published in the Wall Street Journal may increase after loan consummation.

INVESTMENT MORTGAGE - Loan Amounts up to $417,000
Term LTV% Points Rate% APR%
30 Year 75 0 6.375 6.417
15 Year 75 0 6.125 6.193
For example, financing $150,000 for 360 months with 0-points at an interest rate of 6.375% with an APR of 6.417% would result in a monthly payment of $935,80 for principal and interest.

INVESTMENT HOME EQUITY LOAN
Term LTV% Points Rate APR%
1 - 5 Years 70 0 7.125 7.125
6 - 10 Years 70 0 7.750 7.750
11 - 15 Years 70 0 8.000 8.000
For example, financing $150,000 for a term of 120 months at an APR of 7.750% would result in 119 monthly payments of $1,798.59 and one of 1,798.13. If you close your loan within 12 months of the date upon which it is opened, you will be required to pay an early account closure fee of $250.00.

CONSUMER LOANS
PERSONAL LOANS
Term Rate APR% Monthly Payment
Per $1000 Borrowed
12 Months 9.99% 9.99% $87.91
24 Months 9.99% 9.99% $46.14
36 Months 9.99% 9.99% $32.26
48 Months 9.99% 9.99% $25.36
  
VEHICLE LOANS - New
Term Rate Monthly Payment
Per $1000 Borrowed
36 Months 6.25% APR $30.54
48 Months 6.50% APR $23.71
60 Months 6.75% APR $19.68

VEHICLE LOANS - Used
Maximum 5 Years Old
Term Rate Monthly Payment
Per $1000 Borrowed
36 Months 7.00% APR $30.88
48 Months 7.25% APR $24.06
60 Months 7.50% APR $20.04

VEHICLE LOANS - Used
Older Than 5 Years
Term Rate Monthly Payment
Per $1000 Borrowed
36 Months 9.50% APR $32.03
48 Months 9.50% APR $25.12
60 Months 9.50% APR $21.00

RVs - New
Term Rate Monthly Payment
Per $1000 Borrowed
36 Months 6.25% APR $30.54
48 Months 6.50% APR $23.71
60 Months 6.75% APR $19.68

RVs - Used
Maximum 5 Years Old
Term Rate Monthly Payment
Per $1000 Borrowed
36 Months 7.00% APR $30.88
48 Months 7.25% APR $24.06
60 Months 7.50% APR $20.04

RVs - Used
Older Than 5 Years
Term Rate Monthly Payment
Per $1000 Borrowed
36 Months 9.50% APR $32.03
48 Months 9.50% APR $25.12
60 Months 9.50% APR $21.00

BOAT LOANS
Boats New Used
All 9.00% APR 10.00% APR
For example, financing $30,000 for a term of 60 months at an APR of 9.00% would result in monthly payments of $622.75.

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