Fixed Rate First Mortgage Fixed Rate 5 Year Mortgage Adjustable Rate Mortgage (ARM) Rental Property Jumbo Loan Rates Construction Loans Raw Land Loans Fixed Rate First Mortgage   DDR** Member Pays Closing Cost DDR** No Closing Cost 30 Year 5.250% APR* 5.375% 5.650% APR* 5.775% 20 Year 5.000% APR* 5.125% 5.400% APR* 5.525% 15 Year 4.375% APR* 4.500% 4.775% APR* 4.900% Rates current as of November 20, 2009. Call for current rates. **Direct Deposit Reward - Member can receive a lower rate with net pay direct deposit.

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Fixed Rate 5 Year Mortgage DDR** Member Pays Closing Cost 60 Month Fixed Rate 4.275% APR* 4.400% APR* Short Application, No Appraisal, No Inspection, Minimal Closing Costs, Quick Closing Requirements are as follows: 40% equity required (60% of appraised value or the purchase price which ever is less). Must be within a 50 mile radius of any branch and within the state of Kentucky. Must be a primary residence; a 1-4 family dwelling, and 25 acres or less. Rates current as of November 20, 2009. Call for current rates. For qualified buyers. Rates are subject to change.

*APR- Annual Percentage Rate. **Direct Deposit Reward - Member can receive a lower rate with net pay direct deposit.

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Adjustable Rate Mortgage (ARM) 3 Year ARM Member Pays Closing Cost No Closing Cost 3.375% APR* 3.875% APR* 5 Year ARM 4.375% APR* 4.875% APR* *APR- Annual Percentage Rate. Rates current as of November 18, 2009. Call for current rates.

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Rental Property   5 Year Balloon with a 20 Year Amortization Interest Rates as low as 1 to 2% Over Current 20 Year Mortgage Rate

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Jumbo Loan Rates (Loans greater than $417,000)   DDR** Member Pays Closing Cost DDR** No Closing Cost 30 Year 5.750% APR* 5.875% 6.150% APR* 6.275% 20 Year 5.500% APR* 5.625% 5.900% APR* 6.025% 15 Year 4.875% APR* 5.000% 5.275% APR* 5.400% Rates current as of November 20, 2009. Call for current rates.

*APR- Annual Percentage Rate. Rates current as of November 20, 2009. Call for current rates. **Direct Deposit Reward - Member can receive a lower rate with net pay direct deposit.

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Construction Loan Guidelines
Must be for construction of primary residence within a 50 mile radius of either the FKFCU Main Office or the Danville branch, 25 acre limit, without survey Maximum loan amount: $417,000 Down payment: Minimum 10% Interest Rate: Interest rate is .25% over current posted first mortgage rate, member pays closing costs. That is if the member has 20% Equity or 80% appraised value or purchase price, whichever is lower. With 10% Equity, 90% appraised value or purchase price, whichever is lower, the interest rate is .50% over posted first mortgage rate, member pays closing costs Maximum loan to value: 90% (with no PMI) Monthly interest only payments during construction process (generally, 9 months consisting of 5 draws) One time closing and prevailing mortgage rate locked in at time of closing.

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Raw Land Loan
•30% Equity (finance up to 70% of appraised value or purchase price, whichever is less)
•Finance up to 25 acres
•Member Pays all related closing costs
•Mortgages within a 50-mile radius of any branch within the state of KY
•Terms up to 15 years
•Interest rate will be 7.95%
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