The Credit Union Difference

   Eligibility Advantages Products & Services

Membership—Who can Join?

   Live or work in select counties  MO – Clay, Jackson, Platte, St. Charles  KS – Douglas, Johnson, Jefferson, Leavenworth, Miami, Shawnee, Wyandotte Select Employee Groups Family Eligibility

Credit Union Advantages

We start where banking stops!

 Not for Profit, Member-Owned   Ownership Participation Dividend Governed by Volunteer Board of Directors  Lower fees, lower loan rates, higher deposit rates

Products & Services

Full-Service Financial Institution  Checking  Savings  Money Markets  CDs  Loans  Financial Coaching  Financial Planning Services Convenience   32 Branches (KC Metro, St. Louis, Topeka) 28,000 ATMs Nationwide—surcharge free  Online Banking, Mobile Banking

CACU Mortgage Differences

   Pricing Advantages Product Advantages “Blitz” Product

CACU Mortgage Pricing Advantages - #1

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90 Day Lock N Shop Program Lock your rate for 90 days while you shop for a home!

Do not need a property address to lock.

Free .125 rate float down within 30 days of closing.

CACU Mortgage Pricing Advantages - #2

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Extended Lock Programs

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Lock today’s rate for 6 months for .75 in price.

Lock today’s rate for 7 months for 1.00 in price.

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Free float down up to .125 in rate within 30 days of closing.

Lower PMI than commercial banks – examples will be provided.

CACU Mortgage Product Advantages

• Combo Loans – 80/15/5 up to $417K total loan amount; 80/10/10 up to sales price of $950K • Jumbo Loans – Add .75 to conforming rates. Also have the ability to do a 80/10/10 combo up to $950K. • Bridge Loans – Allows you to purchase new home without selling existing.

• USDA • MHDC Loans – No down payment program for Missouri properties

CACU Mortgage Product Advantages, cont.

• Bi-Weekly Payments • “Blitz Program” – New program designed to accommodate the “rush” purchase. Big banks are not set up to easily accommodate a purchase transaction to close within as little as 7 days, but we have set up a new process that will allow for these “rushes”