A Great Home Equity Line Of Credit Rate...  4.44% APR* This is one of the lowest rates around -- and you can trust your credit union to not load you up with large closing costs or those prepayment penalties. Come see us today for the loan that you can use for home improvements, a new vehicle, vacations, debt consolidation, higher education -- virtually anything!  *Annual percentage rate. This is a variable rate and may change each calendar quarter. For this combined 80% loan to value rate, we add 3% to the last 13-Week Treasury Bill auction in the calendar quarter. Loan fees of $157 apply. This line of credit has a five year draw period, and you may have a balloon payment at the end, depending on the payment amount you choose. See our loan staff for complete details. Only One Place To Get Your Free Credit Report... The federal Fair Credit Reporting (FACT) Act requires each of the three nationwide consumer reporting agencies to provide you with a free copy of your credit report, at your request, once per year. But some unscrupulous companies try to lure you to their web site with a free promise -- only to then charge you for another product if you accept their "free" report. The official web site, annualcreditreport.com, is the only authorized online source for you to get those free credit reports under federal law. So don't be fooled by singing pirates. Use the link above and be assured you found the right web site. IRA Contribution Limits Raised for 2008...   Good news for those of you saving for retirement with Individual Retirement Accounts -- the 2008 contribution limit for your Traditional or Roth IRA has been raised to $5,000. And if you're age 50 or better, your limit is now $6,000. With the recent stock market turmoil, it's a good idea to have some of your IRA assets in federally insured, guaranteed return vehicles. And you won't see any fees from us to erode your earnings either! To find out more about your IRA options, just click here.       Employment Opportunities -- Click Here