Rates as of Wednesday 
November 19, 2008

Personal Loan 9.25 APR*
New & Used Autos 5.20 APR*
VISA Platinum 9.48 APR*
Home Equity Line 3.90 APR*
*rates shown are the lowest rates available
Regular Savings 0.75 APY
Savings Plus 1.11 APY
Advantage Savings 1.46 APY
1 Year Certificate 3.51 APY



NEWS ALERT
OMSEFCU Federal Deposit Insurance Now Increased to $250,000

Please note that the newly approved Emergency Economic Stabilization Act of 2008 increases the minimum federal insurance coverage immediately on your Ontario-Montclair School Employees Federal Credit Union accounts from $100,000 to $250,000. Additional coverage may be available beyond this $250,000 limit, through different forms of ownership, such as joint accounts, IRA's, trust accounts, etc.

Deposits in OMSEFCU are insured by the National Credit Union Administration (NCUA), a federal agency. The NCUA, like the FDIC, is backed by the full faith and credit of the United States Government; not one penny of insured savings has ever been lost by a member of a federally insured credit union.

We maintain net worth reserve levels well beyond established Federal regulatory standards, resulting in our classification as a Well-Capitalized Federal Credit Union by regulators. Our deposits are federally insured by the National Credit Union Share Insurance Fund (NCUSIF)-the strongest and best-capitalized of the nation's Federal deposit insurance funds. Not one cent of taxpayer dollars has ever been used to bailout a Credit Union!

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