LOAN RATE SHEET

Rates Effective: July 19, 2006

LOAN RATES ¹

Rate

 APR ^†

Term

Minimum Loan Amoumt

100% Financing

8.61%

8.61%

36

 $   750.00

100% Financing

8.73%

8.73%

48

 $ 5,000.00

100% Financing

8.85%

8.85%

60

 $10,000.00

100% Financing

8.97%

8.97%

72

 $30,000.00

20% Downpayment

8.41%

8.41%

36

 $   750.00

20% Downpayment

8.53%

8.53%

48

 $ 5,000.00

20% Downpayment

8.65%

8.65%

60

 $10,000.00

20% Downpayment

8.77%

8.77%

72

 $30,000.00

Used Vehicles  2003 & Older

Retail Value

9.41%

9.41%

36

 $   750.00

Retail Value

9.47%

9.47%

42

 $ 5,000.00

Retail Value

9.53%

9.53%

48

 $10,000.00

Retail Value

9.65%

9.65%

60

 $30,000.00

Loan Value

9.21%

9.21%

36

 $   750.00

Loan Value

9.27%

9.27%

42

 $ 5,000.00

Loan Value

9.33%

9.33%

48

 $10,000.00

Loan Value

9.45%

9.45%

60

 $30,000.00

Driving Sense - New Vehicles

9.11%

36

48

60

72

36

48

60

72

New Recreational Vehicles

100% Financing

8.85%

8.85%

60

 $   750.00

100% Financing

9.09%

9.09%

84

 $10,000.00

100% Financing

9.45%

9.45%

120

 $15,000.00

20% Downpayment

8.65%

8.65%

60

 $   750.00

20% Downpayment

8.89%

8.89%

84

 $10,000.00

20% Downpayment

9.25%

9.25%

120

 $15,000.00

Used Recreational Vehicles

Retail Value

9.53%

9.53%

48

 $   750.00

Retail Value

9.65%

9.65%

60

$10,000.00

Retail Value

9.89%

9.89%

84

 $15,000.00

Retail Value

10.25%

10.25%

120

 $20,000.00

Loan Value

9.33%

9.33%

48

 $   750.00

Loan Value

9.45%

9.45%

60

 $10,000.00

Loan Value

9.69%

9.69%

84

 $15,000.00

Loan Value

10.05%

10.05%

120

 $20,000.00

Personal

$5,000.00 -  up to $10,000.00

15.67%

15.67%

12

$5,000.00 - up to $10,000.00

15.79%

15.79%

24

$5,000.00 - up to $10,000.00

15.91%

15.91%

36

VISA ²

Purchases

9.90%

9.90%

Cash Advances

9.90%

9.90%

Share Secured ³

Fixed Rate

3.36%

3.36%

36

Fixed Rate

3.60%

3.60%

60

Adjustable Rate (all loans over 60 months)

4.44%

4.44%

144

Home Equity Line-Of-Credit VISA ⁴

< 80% LTV (Adjusted Quarterly)

7.55%

7.55%

 > 80% LTV (Adjusted Quarterly)

9.55%

9.55%

Second Mortgage

< 80% LTV, $150,000.00 maximum

8.41%

8.41%

36

 $ 5,000.00

< 80% LTV, $150,000.00 maximum

8.65%

8.65%

60

 $ 5,000.00

< 80% LTV, $150,000.00 maximum

9.25%

9.25%

120

 $ 5,000.00

< 80% LTV, $150,000.00 maximum

9.85%

9.85%

180

 $ 5,000.00

 > 80% LTV, $100,000.00 maximum

10.41%

10.41%

36

 $ 5,000.00

 > 80% LTV, $100,000.00 maximum

10.65%

10.65%

60

 $ 5,000.00

 > 80% LTV, $100,000.00 maximum

11.25%

11.25%

120

 $ 5,000.00

New Personal Property - Vehicles

$5,000.00 maximum, 100% Financing

9.41%

9.41%

36

$5,000.00 maximum, 20% Downpayment

9.21%

9.21%

36

$10,000.00 maximum, 100% Financing

9.65%

9.65%

60

$ 5,000.00

$10,000.00 maximum, 20% Downpayment

9.45%

9.45%

60

 $ 5,000.00

Used Personal Property - Vehicles

$5,000.00 maximum, 100% Financing

10.41%

10.36%

36

$5,000.00 maximum, 20% Downpayment

10.21%

10.21%

36

$10,000.00 maximum, 100% Financing

10.53%

10.53%

48

$ 5,000.00

$10,000.00 maximum, 20% Downpayment

10.33%

10.33%

48

 $ 5,000.00

New Personal Property - Household

$10,000.00 maximum, 100% Financing

10.41%

10.41%

36

$10,000.00 maximum, 20% Downpayment

10.21%

10.21%

36

Tuition

$6,000.00 maximum

9.00%

9.00%

12

PREFERRED D.F.F.C.U. MEMBER SERVICE RELATIONSHIPS

Savings (Share) Account (Balance >$2,500)

Audio response

Checking (Share Draft ) Account (Balance >$500)

Money Market Share Certificate

Direct deposit

HELOC / Second Mortgage

ATM / Debit Card

First Mortgage loan

New / Used Vehicle Loan

Home Financial Service / E-statement

Credit Card

^† APR = Annual Percentage Rate

¹ Interest rates are subject to type of loan, down payment, approximate term, borrower's credit history, and account relationships. Rates disclosed may not be the lowest rates available at DFFCU.  Aproximate term listed is the maximum term available for qualified borrowers.  A reduction of .10% and .20% for vehicle loans with 10% and 20% down payments respectively are available.  An additional discount of 0.10% for members with any three of the above preferred relationships with DFFCU is available on selected loans.  All rates are subject to change. Other conditions may apply.

² Default APR of Maximum Rate (18%) after two consecutive months in default

³ Adjustable Rate: Share Certificate – The Annual Percentage Rate (APR) will be the dividend rate being paid on the Certificate offered as security (Index) plus 2.0% plus 1 basis point per month of term. The Certificate must be renewed until the advance is completely paid. Failure to renew will result in default under the Plan. When the Certificate is renewed the APR will change to reflect the new dividend rate. When the APR increases, you will have the choice of choosing higher payments or keeping your payment the same, which results in more payments than if you choose to increase your payment amount. The present APR will be disclosed on the voucher at the time of the advance; Regular Shares – The Annual Percentage Rate (APR) for share secured advances will be the dividend rate being paid on regular shares (Index) on the date of the advance plus 2.0% plus 1 basis point per month of term. If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR. The rates are subject to change on the first day of every month to reflect any change in the index. Any increase in the APR will take the form of more payments of the same amount until what you owe has been repaid.