Teachers Federal Credit Union

Babylon Beacon TFCU Offers You More Every Day All rates and terms are subject to change without notice. *APR: Annual Percentage Rate. Rates & terms accurate as of 5/3/2012. Maximum loan amount is $417,000. Pay $9.54 per $1,000 borrowed for 10-year fixed rate mortgage at 2.93% APR. Taxes, insurance and other costs will result in a higher monthly payment. Primary residence only. This is not a commitment to lend. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. Rate shown is for purchase or refinance, up to 80% financing. Other rates and terms available for loan to values above 80%. **APR: Annual Percentage Rate. Rates and terms are effective 5/3/2012. Rate will be based on credit history. Rate shown is lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. Rates not available on Buy Rite Plus balloon loans or leases. Not eligible for Educated Choice, Auto Transfer, Loan-to-Value or Flat fee waiver (indirect only) discounts. Pay just $17.42 for every $1,000 borrowed with a 60-month term at 1.74% APR. TFCU checking is free; if incurred, fees such as a stop payment or NSF fee will apply. Share Savings account of $1 required. &dagger; Subject to membership eligibility. Amityville I Bay Shore I Central Islip I Commack I East Northport I Farmingville I Hauppauge Holbrook I Huntington I Nesconset I North Babylon I Oakdale I Port Jefferson Station I Riverhead Rocky Point I Selden I Shirley I Smithtown I South Setauket I SUNY Stony Brook All Long Islanders Can Bank With TFCU! &dagger; Call 631-698-7000, ext. 6780 or visit www.teachersfcu.org FREE CHECKING No Fees. No Stipulations. It’s Free FREE® APR* RATE 2.75% 2.93 % Rates as low as 10-Year Fixed Rate Mortgages No Points New Auto, Boat and RV Loans 1.74% APR** Get Pre-approved and Save! Leasing & Lease Buyouts Also Available for up to 60 months Full Financing Available <pagedata>13:0.0596558154:0.492976427:0.963790596:0.0447769761</pagedata>