Fixed Rate First Mortgage Fixed Rate 5 Year Mortgage Jumbo Loan Rates Construction Loans Raw Land Loans Fixed Rate First Mortgage   DDR** Member Pays Closing Cost DDR** No Closing Cost 30 Year 5.500% APR* 5.625% 5.900% APR* 6.025% 20 Year 5.375% APR* 5.500% 5.775% APR* 5.900% 15 Year 5.125% APR* 5.250% 5.525% APR* 5.650% Rates current as of December 1, 2008. Call x6400 for current rates. **Direct Deposit Reward - Member can receive a lower rate with Direct Deposit.

Fixed Rate 5 Year Mortgage DDR** Member Pays Closing Cost 60 Month Fixed Rate 4.650% APR* 4.775% Short Application, No Appraisal, No Inspection, Minimal Closing Costs, Quick Closing **Direct Deposit Reward - Member can receive a lower rate with Direct Deposit. 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 redius of any branch and within the state fo Kentucky. Must be a primary residence; a 1-4 family dwelling, and 25 acres or less. Rates current as of December 1, 2008. Call x6400 for current rates. For qualified buyers. Rates are subject to change.

*APR- Annual Percentage Rate.

Jumbo Loan Rates (Loans greater than $417,000)   DDR** Member Pays Closing Cost DDR** No Closing Cost 30 Year 6.000% APR* 6.125% 6.400% APR* 6.525% 20 Year 5.875% APR* 6.000% 6.275% APR* 6.400% 15 Year 5.625% APR* 5.750% 6.025% APR* 6.150% Rates current as of December 1, 2008. Call x6400 for current rates.

**Direct Deposit Reward - Member can receive a lower rate with Direct Deposit.

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.

Raw Land Loan
•30% Equity (finance up to 70% of appraised value)
•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%