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Holiday Calendar

The Credit Union will be closed:

Labor Day Monday, September 7

Columbus Day Monday, October 12

Although we are closed on these days, Matey, Home Banking, Electronic Bill Pay and both our ATM and point- of-sale networks will be open 24/7.

APY

APY

Regular Shares

0.75%

0.50%

Christmas Club

0.75%

0.50%

IRA (under $2,000)

1.85%

0.75%

IRA (over $2,000)

1.00%

1.00%

Checking

0.25%

0.15%

Last

This

Rates subject

Quarter

Quarter

to change.

Actual

Anticipated

$0-$9,999

1.31%

1.06%

$10,000-$50,000

1.41%

1.11%

$50,001+

1.51%

1.26%

Dividends

Money Market**

Certificates – Call for current yields.

*Dividends are based on credit union earnings. Regular shares earn day- in, day-out dividends with dividends paid quarterly. Checking accounts earn day-in, day-out dividends every month a minimum balance of $500 is maintained. Dividends are declared by the Board of Directors at the end of each dividend period.

**There is a $10 charge on balances that fall below $2,500. Rates subject to change without notice.

July

2009

free Gap insurance!

Just in time for summer!

(guaranteed asset protection)

Finance a new or used auto with OCFCU by 9/30/09 and receive a Free GAP Insurance policy ($150 value).

If your vehicle is totaled or stolen, your primary insurance carrier will usually pay only the actual cash value (current Market Value) of your vehicle less your deductible.This amount could be substantially lower than your loan balance.

GAP will help cover the difference between your loan payoff and your primary insurance company settlement.* Your loan balance will be paid in full, including the portion caused by your deductible.**

Possible Tax Benefits

Free Auto Broker Service

To take advantage of this special offer, call (562) 426-8838 or apply online at www.occu.net.

*Subject to certain exclusions and benefit limitations. **Deductible coverage is not available in all situations.

Life and Disability Credit Protection

Preferred rate for those with highest credit scores. All loans are subject to credit approval and current loan guidelines. The credit union is an equal opportunity lender and makes loans without regard to race, color, religion, sex, handicap, family status, or national origin.You will receive a complete disclosure of rates and terms associated with your loan before you sign any loan documents. A reconveyance fee will be assessed at the time of payoff at the prevailing rate.

3½% with a 3½-year term.

Special auto promotion

On new auto loans

Available to qualifying buyers. Offer expires on 9-30-09 and is subject to withdrawal or change.

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