The following additional disclosures apply:

• The Annual Percentage Rate (APR) is based on representative loan amount for stated term.
• These special rates are only available when you pre-qualify and are not guaranteed until lock-in.
• Rates and terms are subject to change without notice.  Interest rates assume credit history is in good standing.
• All loan applications subject to credit and property approval.  Flood and/or property hazard insurance may be required.  Additional fees and closing costs apply.
• Assumes no subordinate financing.
• Maximum loan limits and minimum equity / down payment requirements apply.
• Other restrictions may apply.
• Additional rates and programs are available.
• Calculated assuming 15 days of prepaid interest.

Amounts may be rounded up.  Additional fees and closing costs may apply.  If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR.

Shares:  The APY (Annual Percentage Yield) assumes that dividends are to be added to principal.  Minimum opening deposits for certificates (except where noted otherwise): $1,000.00.  Substantial penalty for early withdrawal.  Share certificate account terms: Dividends are calculated by the Daily Balance Method which applies a periodic rate to the principal each day.  Dividends are compounded and credited monthly and at maturity.  The APY is quoted based on the assumption that dividends will remain in the account until maturity; a withdrawal will reduce earnings.  Minimums to open savings - $25; Minimum balance to avoid a low balance fee for savings - $100; Vacation or Holiday Savings - $100.  All rates subject to change without notice.  Funds must remain on deposit for full term to achieve stated rate.  Fees could reduce earnings.  For more information about fees and rates for these accounts, contact your local credit union office or phone (703) 218-9900.

Loans:  All rates and terms are subject to change without notice and credit qualification.  APR is Annual Percentage Rate.  Managed risk lending pricing is used for all consumer loans.  Maximum interest rate for loans will not exceed the maximum allowed by law.  The APR for certificate secured loans are based on current certificate rate plus 3.500% and subject to change on CD maturity.

HELOC and Home Equity Loans available only on primary residences in Maryland, DC, and Virginia.  Minimum line of credit is $10,000.00.  Maximum line of credit amount is $250,000.00 up to 85% Loan to Value (LTV) with tax assessment and 85% LTV with appraisal.  Variable rates tied to Prime as published in the Wall Street Journal.

First Mortgage rates quoted are with 1 point.

Account Opening - Important Information:  To help our government fight the funding of terrorist and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies persons who open accounts.  Therefore, when you open an account, we will ask you for your name, address, date of birth, and other information that will properly identify you.  We may also ask to see your driver's license or other qualified documents.