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URGENT SECURITY ALERT

A phishing eMail appearing to come from eNFACT is circulating, warning that suspicious activity has occurred on the recipient's ATM/Debit card. It includes links the cardholder is told to follow to investigate further. THIS IS A SCAM. Our eNFACT service would never contact a customer in this fashion. The links take you to malicious web sites. Should you receive an eMail of this type, delete it immediately.


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Rates


DEPOSIT

APPLY

LOANS

TOOLS

Rates last updated February 9, 2012


Deposits
Savings
Account Type Minimum Deposit to
Obtain APY		 Interest Rate % Annual Percentage
Yield (APY) %
Passbook* $100 0.12 0.12
Statement* $100 0.12 0.12
Holiday Club $1 0.30 0.30
Vacation Club $1 0.40 0.40
CyberSaver Promo
1st 90 days*		 $100 0.18 0.18
CyberSaver* $1 - $24,999.99 0.12 0.12
CyberSaver* $25,000+ 0.15 0.15
CyberSaver Supreme* $100,000 0.18 0.18
CyberSaver Gold* $200,000 0.20 0.20
CHECKING
NOW Checking* $500 0.03 0.03
MMDA* $1 - $2,499 0.03 0.03
MMDA $2,500 & Over 0.05 0.05
Money Maker $1.00 - $9,999.99 0.03 0.03
Money Maker $10,000 - $24,999 0.04 0.04
Money Maker $25,000.00 - $49,999.99 0.05 0.05
Money Maker $50,000 - 99,999 0.06 0.06
Money Maker $100,000 - 999,999 0.07 0.07
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 0.03 0.030
13 Week $100,000 0.07 0.070
26 Week $100,000 0.10 0.100
52 Week $100,000 0.20 0.200
2 Year $100,000 0.35 0.351
3 Year $100,000 0.80 0.803
5 Year $100,000 1.25 1.258
CYBER CDARS ROLLOVER RATES
Account Type Minimum Deposit to
Obtain APY 		Interest Rate % Annual Percentage
Yield (APY) %
4 Week $100,000 0.02 0.02
13 Week $100,000 0.03 0.03
26 Week $100,000 0.07 0.07
52 Week $100,000 0.10 0.10
2 Year $100,000 0.15 0.15
3 Year $100,000 0.75 0.75
5 Year $100,000 1.00 1.00
CERTIFICATES**
Account Type Minimum Deposit to
Obtain APY		 Interest Rate % Annual Percentage
Yield (APY) %
91 Day $500 0.10 0.10
91 Day $2,500 0.10 0.10
91 Day IRA $500 0.10 0.10
6 Month $500 0.12 0.12
6 Month $2,500 0.12 0.12
6 Month IRA $500 0.12 0.12
9 Month $500 0.17 0.17
1 Year $500 0.25 0.25
1 Year IRA $500 0.25 0.25
15 Month $500 0.30 0.30
15 Month IRA $500 0.30 0.30
1 1/2 Year $500 0.35 0.35
1 1/2 Year IRA $500 0.35 0.36
2 Year Traditional $500 0.50 0.50
2 Year WiseChoice $2,500 0.50 0.50
2 Year IRA $500 0.50 0.50
2 1/2 Year $500 0.60 0.61
2 1/2 Year IRA $500 0.60 0.61
3 Year $500 1.00 1.02
3 Year IRA $500 1.00 1.02
3 1/2 Year $500 1.05 1.07
3 1/2 Year IRA $500 1.05 1.07
5 Year $500 1.30 1.33
5 Year IRA $500 1.30 1.33
7 Year $500 1.50 1.51
7 Year IRA $500 1.50 1.51

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

Consumer Loans
VEHICLE LOANS - New
Term Rate Monthly Payment
Per $1000 Borrowed
12 Months 2.99% APR $84.68
24 Months 3.99% APR $43.42
36 Months 4.50% APR $29.74
48 Months 5.00% APR $23.03
60 Months 6.25% APR $19.45
72 Months 7.99% APR $17.52
84 Months 8.99% APR $16.08
VEHICLE LOANS - Used
Maximum 5 Years Old
Term Rate Monthly Payment
Per $1000 Borrowed
36 Months 6.25% APR $30.53
48 Months 6.50% APR $23.71
60 Months 6.75% APR $19.68
VEHICLE LOANS - Used
Older Than 5 Years
Term Rate Monthly Payment
Per $1000 Borrowed
36 Months 10.00% APR $32.28
48 Months 10.00% APR $25.37
60 Months 10.00% APR $21.25
PERSONAL LOANS
Maximum Loan Amount $15,000.00
Term Rate Monthly Payment
Per $1000 Borrowed
12 Months 9.99% APR $87.91
24 Months 9.99% APR $46.14
48 Months 9.99% APR $25.36
COLLECTOR CARS
Term Rate Monthly Payment
Per $1000 Borrowed
24 Months 5.99% APR $44.32
60 Months 6.99% APR $19.80
84 Months 7.99% APR $15.58
120 Months 9.99% APR $13.21


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