100 Port Washington Blvd * Rosyln, NY 11576 * Phone: (516) 562-6650 * Fax: (516) 562-6658

The Heart Center Federal Credit Union Take Advantage of Our Low Car Loan Rates. The following New and Used Car Loan Rates Are Good Until the End of 06/30/2010 RATES FOR LOAN SALE ONLY RATES ARE : New and Used Vehicles Term Rate 12 Months 4.50% 24 Months 5.00% 36 Months 5.00% 48 Months 5.00% 60 Months 5.50% 72 Months 5.90% RATE WATCH Loans Type of Loan Length of Loan Annual Percentage Rate Personal Loan 36 months 8.90% Personal Loan 48 months 9.90% Personal Loan 60 months 10.90% Vacation Loan 12 months 7.90% Share Secured Loan 60 months 5.90% Home Improvement Loan 84 months 8.90% Education Loan 84 months 6.90% Debt Consolidation Loan 36 months 8.90% Debt Consolidation Loan 48 months 9.90% New & Used Vehicle Loan 12 months 4.50% New & Used Vehicle Loan 24 months 5.00% New & Used Vehicle Loan 36 months 5.00% New & Used Vehicle Loan 48 months 5.00% New & Used Vehicle Loan 60 months 5.50% New & Used Vehicle Loan 72 months 5.90% Overdraft Protection / Line Of Credit 12.90%

Savings & Investment Accounts
June 30, 2010 APY= Annual percentage yield
Share Savings Account	APR	APY
Minimum Balance:
Over $250	1.00%	1.01%
Club Accounts	1.00%	1.01%
Money Market Account	1.30%	1.31%
IRA	1.40%	1.41%
Certificate 6 months ($5,000 Minimum Deposit)	1.45%	1.46%