Loan Rates

Loan Rates
Rates Effective: June 1, 2010

(rates subject to change without notice)

Loan Type	Annual Percentage Rate	Repayment	Terms
Automobile
New ¹	as low as 2.99% as low as 2.99% as low as 2.99% as low as 3.25% as low as 3.75%	24 months 36 months 48 months 60 months 72 months	$10,000 min for 60 mos. $25,000 min for 72 mos.
Used^{1, 2}	as low as 3.25% as low as 2.99% as low as 2.99% as low as 2.99%	60 months 48 months² 36 months 24 months	'09 or '10 models '07 or '08² models '05 or '06 models '01 to '04 models All rates shown quoted on approved credit only.
Recreational Vehicle
New¹	as low as 4.99% as low as 4.99% as low as 4.99% as low as 5.25%	24 months 36 months 48 months 60 months	*All rates shown quoted on approved credit only.*
Used¹	as low as 5.25% as low as 4.99% as low as 4.99% as low as 4.99%	60 months 48 months 36 months 24 months	'09 or '10 models '07 or '08 models '05 or '06 models '01 to '04 models
Boat
New¹	as low as 4.99% as low as 4.99% as low as 4.99% as low as 5.25%	24 months 36 months 48 months 60 months	*All rates shown quoted on approved credit only.*
Used¹	as low as 5.25% as low as 4.99% as low as 4.99%	60 months 48 months 36 months	'09 or '10 models '07 or '08 models '05 or '06 models All rates shown quoted on approved credit only.
Motorcycle
New¹	as low as 4.99% as low as 4.99%	24 months 36 months	New Motorcycles only.
Real Estate Loans
Mortgage Available nationwide	Please contact our Member Preferred Mortgage loan officer for information: (314) 889-0673
Home Equity Available St. Louis Metro Area only	Prime for the 1^st year, Thereafter: Prime plus 1%⁴ (Built in floor of 5.50%) Prime plus 0.5%⁴ (Built in floor of 5.50%)		$25,000 or less over $25,000 no points no annual fees no closing costs with initial loan draw of $5,000 or more.
Personal Loans
Personal Loans¹	as low as 10.50%
Personal Line of Credit
Personal Line of Credit^{1, 3}	as low as 4.25%
PCU Savings Secured
PCU Savings Secured	deposit rate plus 4% deposit rate plus 3%	60 months 60 months	$100 - $19,999 $20,000 or more
Stock Secured
Loan or Line of Credit³	prime plus 1%⁴ prime plus 0.5%⁴	60 months 60 months	$100 - $19,999 $20,000 or more
Visa^® Credit Card
Visa^® Credit Card	13.92%		Fixed Rate No Annual Fee No Cash Advance Fee

¹ Rates shown for these sub-accounts are available only on approved credit and include all available discounts including .25% for automatic loan payment from a PCU/ECU checking account. Please call PCU for current rate, terms and fee information.

² Used Auto Guideline -- Advances of $8,000 to $10,000: Approximate Repayment up to 48 months at rate for model year of collateral. Advances of $10,000 or more: Approximate Repayment up to 60 months at rate for model year of collateral.

³ If you have been approved for a Personal Line of Credit or a Stock Secured Line of Credit, your payment may change after each advance as follows:
Unpaid Balance After Last Advance of $100-$1,000...Monthly Payment (as a % of balance after last advance) 6%
Unpaid Balance After Last Advance of $1,100-$2,500...Monthly Payment (as a % of balance after last advance) 5%
Unpaid Balance After Last Advance of $2,600-$5,000...Monthly Payment (as a % of balance after last advance) 3.50%
Unpaid Balance After Last Advance of $5,100-$7,500...Monthly Payment (as a % of balance after last advance) 3%
Unpaid Balance After Last Advance of $7,600 or more...Monthly Payment (as a % of balance after last advance) 2.50%

Payments rounded to the nearest $5 increment.

⁴"Prime rate" means the Prime Rate published in the Midwest Edition of the Wall Street Journal.