Loan Rates

Loan Rates
Rates Effective: June 1, 2008
(rates subject to change without notice)

Loan Type	Annual Percentage Rate	Repayment	Terms
Automobile
New¹	as low as 5.25% as low as 5.25% as low as 5.25% as low as 5.25% as low as 5.75%	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 5.25% as low as 5.25% as low as 5.25% as low as 5.25%	60 months 48 months 36 months 24 months	'06 or '07 models '04 or '05 models '01, '02 or '03 models All rates shown quoted on approved credit only.
Recreational Vehicle
New¹	as low as 5.25% as low as 5.25% as low as 5.25% 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 5.25% as low as 5.25% as low as 5.25%	24 months 36 months 48 months 60 months	'98 to '01 models '02 or '03 models '04 or '05 models '06 or '07 models
Boat
New¹	as low as 5.25% as low as 5.25% as low as 5.25% 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 5.25% as low as 5.25%	60 months 48 months 36 months	'06 or '07 models '04 or '05 models '02 or '03 models All rates shown quoted on approved credit only.
Motorcycle
New¹	as low as 5.25% as low as 5.25%	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 6.00%
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.