Luso Federal Credit Union

Rates are effective as of Monday, November 17, 2008
Rates are subject to change without notice.

"VISA" Share Draft Interest Checking

Minimum Balance	Dividend Rate	APY
$50.00 and over	1.49%	1.50%
• APY: Annual Percentage Yield / Fee FREE account! • VISA Share Draft qualifies with a minimum $500.00 VISA Classic or Platinum Credit Card balance transfer; rate guaranteed through December 31, 2007. • FREE Debit Card through SUM Program with REWARDS Score Card.

VISA Debit Card

Luso's Visa Check Card provides members with 24-hour ATM access and the ability to make purchases wherever Visa is accepted. The purchase amount is automatically deducted from your checking account and the transaction will appear on your monthly statement. Please visit Luso Federal Credit Union to apply for your card.

Using your Debit Card is Easy and Rewarding!

Why?

When you use your pen instead of your PIN and sign for your debit card purchases, you:

earn valuable ScoreCard Gift and Travel awards
have the right to dispute card charges
provide another verification tool to combat fraud

How?

Using your signature is easy! Simply follow these steps:

When you are asked for your PIN number or prompted to choose "credit" or "debit", choose "credit" and sign.
Be sure to sign the sales receipt when available. In some cases, you won't need to sign a sales receipt, such as paying for gas at the pump. Just choose "credit" and you will receive the same benefits.
Now you're a step closer to choosing your next valuable award!

It's that simple. And when you use your signature for your debit purchases, you get to enjoy all the benefits that come with it- including ScoreCard Gift and Travel awards!

Line Of Credit

Get the card that gives you credit... Our Luso Federal Credit Union Visa Credit Card is just one of the many benefits of membership in the Credit Union.
VISA Platinum Credit Card	APR
Purchase Rate	9.50%
Cash Advance	11.50%
Balance Transfer Special Rate Offer effective through 12/31/09	6.99%
• APR: Annual Percentage Rate - Based on a $5,000 loan amount, unless otherwise noted. • Min Credit $10,000 / Max Credit $20,000 • FREE VISA Credit Card REWARDS Score Card program. • No Application Fee! No Annual Fee!
VISA Classic Credit Card	APR
Purchase Rate	10.50%
Cash Advance	12.50%
Balance Transfer Special Rate Offer effective through 12/31/09	6.99%
• APR: Annual Percentage Rate - Based on a $5,000 loan amount, unless otherwise noted. • Make NO PAYMENTS through November 17008. • Min Credit $500 / Max Credit $10,000 • FREE VISA Credit Card REWARDS Score Card program; DOUBLE REWARDS for the first (3) months. • No Application Fee! No Annual Fee!
VISA "Smart Start" Classic Credit Card	APR
New Purchases	10.50%
Cash Advances	12.50%
Balance Transfer Special Rate Offer effective through 12/31/09	6.99%
• APR: Annual Percentage Rate - Based on a $5,000 loan amount, unless otherwise noted. • Make NO PAYMENTS through November 17008. • Min Credit $200 / Max Credit $5,000 • FREE VISA Credit Card REWARDS Score Card program; DOUBLE REWARDS for the first (3) months. • No Application Fee! No Annual Fee!
Life Should Be Rewarding:
You use your ScoreCard for everyday life. To purchase groceries. To pay for an oil change. Even to buy that last minute gift for a friend. So, while you're busy taking care of life, who's taking care of you? Your ScoreCard. Each purchase you make with your card earns you valuable Bonus Points you can redeem for brand name merchandise and exciting travel rewards. If you visit the web site www.scorecardrewards.com, you'll be amazed at the merchandise available. Choose from categories like Appliances, Lawn and Garden and Sporting Goods, and from brand names like Black & Decker, Nike and Toshiba. You can also search for awards by Bonus Point level, so you will always know how many more Bonus Points you'll need for that "must have" reward. Once you've earned enough Bonus Points to redeem, you can send in your order online or through regular mail. It's that easy! When it comes to travel, ScoreCard has something for every preference and every Bonus Point level. You can choose to cruise in style around Alaska or fly off to Montreal or New York City for a big city vacation. You can also redeem your Bonus Points to visit your family by plane in just about any part of the world. Purchase airline tickets, redeem Bonus Points or check your point balance at www.scorecardrewards.com. For personal travel assistance call: 800-842-3006 Monday-Friday, 9AM-9PM (EST) and Saturday-Sunday, 9AM-4:30PM (EST) Now the only question you should have is "what can I use my ScoreCard for today?"

VISA Credit Card Secured Loan

Minimum Credit	Purchase Rate	Cash Advance	Balance Transfer
$500.00 - $10,000.00	10.50% APR	12.50% APR	6.99% APR
• APR: Annual Percentage Rate Based on a $5,000.00 loan amount, unless otherwise noted. • VISA Classic Credit Card only. • FREE VISA Credit Card REWARDS Score Card program. • Pledged shares must be retained in a corresponding VISA Secured Share Savings account equal to the total credit limit and/or secured credit increase, and retained as collateral until such time as the debt is repaid in full and the secured credit card account is terminated. • The funds are released upon successful completion of the loan terms and regular timely payment. • No Application Fee! No Annual Fee!