Loan Terms and Rates

As of  04/01/2008  and subject to change daily

Months Annual Percentage Rate
As low as No higher than
Secured by
Specified Collateral
1 - 24 5.75% 13.00%
25 - 36 6.00% 13.25%
37 - 54 6.25% 13.50%
55 - 60 6.50% 13.75%
61 - 72 7.25% 14.50%
73 - 84 7.75% 15.00%
85 - 96 8.25% 15.50%
97 - 120 9.25% 16.50%
Secured by
Security Agreement
(Personal Loans)
1 - 12 9.25% 16.50%
13 - 36 10.25% 17.75%
Secured by Shares: Fixed Rate
Owned/Jointly Owned Shares 60 3.75% 3.75%
3rd Party Owned Shares 60 5.25% 5.25%

Rate Adjusted Applicable to All Above Categories

.25% Reduction for transfer from PFCU Account, Direct Deposit or Payroll Deduction (applies to all above).

.25% Reduction if 3 qualifying PFCU services utilized prior to loan (10 years of PFCU membership can substitute for one qualifying service).

Max Term Annual Percentage Rate
As low as No higher than
Home Equity /
Improvement &
Non Owner Occupied
Property
1 - 60 6.25% 8.75%
61 - 120 6.75% 9.25%
121 - 180 7.25% 9.75%
Mastercard/
Visa Classic/Gold
-- 11.90%
Visa Platinum
9.90%
Line of Credit
Fixed 15.00%
Variable Prime +2.0% 7.25%
Share Secured
Variable Rate 120 Prime Rate -3% (3% Minimum)
Currently 3.00%
Certificate Secured
Term of CD 1% above CD Rate