Rates effective as of Thursday, July 3, 2008

Vehicle| Consumer | Certificates | Real Estate | Mortgage | Savings 

VEHICLE LOAN RATES

Auto - New	Term in Months	APR* As Low As
Cars - Trucks - Vans Finance over $20,000 for 84 month term Includes Refinance	36 60 84	4.99%** 5.49%** 6.49%**

Auto - Used	Term in Months	APR* As Low As
Cars - Trucks - Vans Finance over $20,000 for 84 month term Includes Refinance	36 60 84	5.24%** 5.74%** 6.74%**

Hybrid - New	Term in Months	APR* As Low As
Finance over $20,000 for 84 month term Includes Refinance	36 60 84	4.74%** 5.24%** 6.24%**

Hybrid - Used	Term in Months	APR* As Low As
Finance over $20,000 for 84 month term Includes Refinance	36 60 84	4.99%** 5.49%** 6.49%**

Motorcycles - New & Used	Term in Months	APR* As Low As
Finance up to $20,000 for 36 months Finance over $20,000 for 60 months	36 60	6.24%** 6.74%**

Off-Road Vehicle - New	Term in Months	APR* As Low As
Dirt Bikes - Quads - Mopeds Includes Refinance	24	7.49%**

Boats - New & Used	Term in Months	APR* As Low As
100% Financing Used subject to NADA Book value	60 120 180 240	7.24%*** 7.74%*** 8.24%*** 8.74%***

Personal Watercraft - New	Term in Months	APR* As Low As
	24	7.49%

Recreational Vehicle - New & Used	Term in Months	APR* As Low As
100% Financing Only Used subject to NADA Book Value	60 120 180	7.24%*** 7.74%*** 8.24%***

*APR = Annual Percentage Rate.  **Rate available for loans with Direct Deposit / Payroll Deduction. The above loan requests are subject to credit approval. Loan rates with automatic share transfer payments will be .50% higher than those displayed. Loan rates without Direct Deposit / Payroll Deduction will be 1.00% higher than those displayed. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different term. ***In order for a loan to have a repayment term of over 144 months, it must qualify as an Internal Revenue definition of a home; has sleeping, cooking & toilet facilities. (Internal Revenue Publication 936 Home Mortgage Interest Deduction, 2000). Conditions of loans may vary. Rates and conditions are subject to change without notice.

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CONSUMER LOAN RATES 

Suffolk FCU Credit Cards		APR* As Low As
Rewards American Express WorldPoints Platinum Plus MasterCard WorldPoints Platinum Plus Visa		See Details

Variable Line of Credit	Term in Months	APR* As Low As
Overdraft Protection Maximum Line $20,000		12.75%

Personal Loan	Term in Months	APR* As Low As
Fixed Rate Maximum $10,000	60	13.90%

Share Secured	Term in Months	APR*
Variable	120	4.40%

Help Loan	Term in Months	APR*
	120	4.75%

Education Assistance Finance	Term in Months	APR*
Line of Credit (Variable) Fixed Rate Loan	Up to 15 Yrs 12	Prime + 3.00%** Prime

Student Loans - Federal Stafford	Term in Months	APR*
Subsidized & Unsubsidized Federal PLUS		Please call for rates & details

*APR = Annual Percentage Rate.  **Rate available for loans with Direct Deposit / Payroll Deduction. The above loan requests are subject to credit approval. Loan rates with automatic share transfer payments will be .50% higher than those displayed. Loan rates without Direct Deposit / Payroll Deduction will be 1.00% higher than those displayed. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different term. Conditions of loans may vary. Rates and conditions are subject to change without notice.

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REAL ESTATE LOAN RATES

Fixed Rate Home Equity	Term	APR* As Low As
80% LTV Maximum	10 Years 20 Years	6.49% 7.49%

Non-Primary Residence Fixed Home Equity	Term	APR* As Low As
80% LTV Maximum	10 Years 20 Years	8.49%  9.49%

*APR = Annual Percentage Rate. Rates and terms are accurate as of 06/01/08 and are subject to change without notice. For every $1,000 borrowed at 6.50% APR for 120 months, the monthly payment will equal $11.36. For every $1,000 borrowed at 7.50% APR for 240 months, the monthly payment will equal $8.06. For additional sample loan payments, use the online loan calculators available or contact the credit union. APR is fixed at time of loan. Rates will be 1.00% higher for members who do not have direct deposit. Rate not to exceed maximum legal limit for Federal Credit Unions (currently 18%). Suffolk Federal Credit Union will offer 90% Loan to Value on Purchases and Refinances only with an increased rate of .25%.   Applicants who are not approved at these rates may be offered credit at a higher rate. All loans are subject to credit approval and income verification. Suffolk Federal CU will pay the closing costs for loans up to $150,000. If you pay-off and close your loan less than 3 years from loan origination date, you will be required to reimburse all closing costs paid by Suffolk Federal CU. For Loan/Line amounts up to $150,000, closing costs are estimated at $1200. Available on 1–4 family primary or secondary residences, excluding mobile homes, co-ops and homes for sale, under construction or on leased land. Hazard insurance and property insurance are required. Interest expense incurred may be tax deductible. Consult a tax advisor. Please see an SFCU representative for additional information, applicable fees and terms.

 
HOME EQUITY LINE-OF-CREDIT LOAN RATES

Home Equity Line of Credit		APR* As Low As
80% LTV Maximum		4.25%

Non-Primary Residence Home Equity Line of Credit		APR* As Low As
80% LTV Maximum		6.25%

*APR = Annual Percentage Rate. Rates and terms are accurate as of 06/01/08 and are subject to change without notice. For every $1,000 borrowed at 4.25% APR for 48 months, the monthly payment will equal $22.70. For additional sample loan payments, use the online loan calculators available or contact the credit union. APR is based on Wall Street Journal Prime minus .75% with direct deposit. Rates will be 1.00% higher for members who do not have direct deposit. The Prime rate is the rate published in the Wall Street Journal and will be the Prime Rate for 80% maximum loan to appraised value (LTV). Rate not to exceed maximum legal limit for Federal Credit Unions (currently 18%). Prime as of 05/01/08 was 5.00%. Applicants who are not approved at these rates may be offered credit at a higher rate. All loans are subject to credit approval and income verification.     Suffolk Federal CU will pay the closing costs for loans up to $150,000. If you pay-off and close your loan less than 3 years from loan origination date, you will be required to reimburse all closing costs paid by Suffolk Federal CU. For Loan/Line amounts up to $150,000, closing costs are estimated at $1200. Available on 1–4 family primary or secondary residences, excluding mobile homes, co-ops and homes for sale, under construction or on leased land. Hazard insurance and property insurance are required. Interest expense incurred may be tax deductible, consult a tax advisor regarding the deductibility of interest. Please see an SFCU representative for additional information, applicable fees and terms.

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MORTGAGE LOAN RATES

Click Here For Our Daily Mortgage Rates. Fixed Rate Mortgage Loans and Adjustable Rate Mortgages (ARMs) are available from Suffolk Federal Credit Union. Rates are for 1 to 4 family principal residences. Co-ops are now an acceptable property type. Call 631-924-8000 for quotes on: Non-Owner Occupied Properties Mortgage Loans No-Income Check Mortgage Loans FHA Mortgage Loans

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 SAVINGS RATES

Share Savings $5 Minimum Deposit	Dividend Rate	APY*
To Earn Dividend: $100 - $4,999.99 $5,000+	1.00% 1.14%	1.00% 1.15%

Holiday Club	Dividend Rate	APY*
$5 Minimum Deposit to Earn Dividend $5 - $2,499.99 $2,500+	1.00% 1.14%	1.00% 1.15%

Vacation Club	Dividend Rate	APY*
$5 Minimum Deposit to Earn Dividend $5 - $2,499.99 $2,500+	1.00% 1.14%	1.00% 1.15%

IRA/SEP Account	Dividend Rate	APY*
$50 Minimum Deposit to Earn Dividend	1.49%	1.50%

Advantage Checking	Dividend Rate	APY*
$3,000 Minimum Balance to Earn Dividend	.25%	.25%

High Yield Checking	Dividend Rate	APY*
To Earn Dividend: $0 - $9,999** $10,000 - $24,999.99 $25,000 - $49,999.99 $50,000+	0.25% 1.00% 1.49% 2.47%	0.25% 1.00% 1.50% 2.50%

 

Deluxe Business Checking Account	Dividend Rate	APY*
$5,000 Minimum Balance to Earn Dividend	1.00%	1.01%

Insured Money Market	Dividend Rate	APY*
To Earn Dividend: $2,500 - $24,999.99 $25,000 - $49,999.99 $50,000 - $99,999.99 $100,000 - $249,999.99 $250,000 - $499,999.99 $500,000+	1.49% 2.24% 2.72% 3.21% 3.45% 3.68%	1.50% 2.25% 2.75% 3.25% 3.50% 3.75%

*APY = Annual Percentage Yield. Rates may change after account is opened. Offers may be for limited time only. The annual percentage yield is indicated as of the last dividend declaration date. Fees could reduce the earnings on the account. Penalties may be imposed for early withdrawals. For more information, please contact one of our CU Representatives. **$20 service fee imposed on balances below $3,000.00.

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CERTIFICATE RATES

Special Offer Certificate Accounts	Dividend Rate	APY*
3  Month Certificate        $500 Minimum Deposit   5  Month Certificate        $500 Minimum Deposit   7  Month Certificate        $500 Minimum Deposit   8  Month Certificate        $500 Minimum Deposit 11  Month Certificate        $500 Minimum Deposit	2.72% 2.72% 2.77% 2.77% 3.20%	2.75% 2.75% 2.80% 2.80% 3.25%

Certificate Accounts - $500 Minimum Deposit Includes Regular, IRA/SEP Certificates	Dividend Rate	APY*
6   Month Certificate   9   Month Certificate 12   Month Certificate 18   Month Certificate 24   Month Certificate 36   Month Certificate 48   Month Certificate 60   Month Certificate	2.77% 3.06% 3.20% 3.45% 3.69% 3.93% 4.17% 4.41%	2.80% 3.10% 3.25% 3.50% 3.75% 4.00% 4.25% 4.50%

Premium Certificate Accounts - $25,000 Minimum Deposit	Dividend Rate	APY*
6   Month Premium Certificate 12   Month Premium Certificate 18   Month Premium Certificate	2.86% 3.30% 3.54%	2.90% 3.35% 3.60%

APY = Annual Percentage Yield.  Offers may be for limited time only. The annual percentage yield is indicated as of the last dividend declaration date. Fees could reduce the earnings on the account. Penalties may be imposed for early withdrawals. For more information, please contact one of our CU Representatives.