AUTO, TRUCK & LARGE MOTORCYCLE LOANS  (minimum 750cc)                                                  APR*     TERMS
New & Used ~ 2003 or Newer NO PAYMENTS FOR 90 DAYS ►SEE DISCLOSURES BELOW	2.240	Up to 72 Months ~ Valid up to 115% LTV Plus the cost of selected PrimeSource Protection Products ~ Rate includes a 1.00% discount for having direct deposit of net payroll to a PSCU Checking account and for electing to receive your periodic statement electronically. ~ For approved LTV over 115% add 0.50% to approved rate. ~ Rate Premiums if applicable will apply.****
New & Used ~ 2003 or Newer NO PAYMENTS FOR 90 DAYS ►SEE DISCLOSURES BELOW	2.740	73 to 84 month term ~ Valid up to 115% LTV Plus the cost of selected PrimeSource Protection Products ~ Rate includes a 1.00% discount for having direct deposit of net payroll to a PSCU Checking account and for electing to receive your periodic statements electronically. ~ For approved LTV over 115% add 0.50% to approved rate. ~ Rate Premiums if applicable will apply.****
OLDER USED AUTOS & TRUCKS
Used ~ 1998 to 2002 Models	9.990	Up to 36 Months ~ LTV not to exceed 100% ~ Rate includes all available discounts*
FIRST TIME AUTO BUYER PROGRAM
First Time Auto Buyer	6.990	Up to 72 Months ~ LTV not to exceed 95% Plus the cost of PrimeSource Protection Products ~ Maximum loan amount $20,000 ~ Collateral 2002 or newer ~ Click here for more important details.
First Time Auto Buyer ~ Co-Signed	6.240	Up to 72 Months ~ LTV not to exceed 95% Plus the cost of PrimeSource Protection Products ~ Maximum loan amount $20,000 ~ Collateral 2002 or newer ~ Click here for more important details.
BOATS & RV
New & Used ~ 2003 or newer	2.990	Up to 72 Months ~ LTV not to exceed 80% ~ Rate includes all available discounts*
New & Used  ~ 2003 or newer	3.990	Up to 72 Months ~ LTV greater than 80% ~ Rate includes all available discounts*
New & Used ~ 2003 or newer	4.490	80% LTV. Up to 180 Months. Minimum amount for terms over 120 months is $30,000~ Rate includes all available discounts*
New & Used ~ 2003 or newer	4.990	Up to 180 Months ~ LTV greater than 80% ~ Minimum amount for terms over 120 months is $30,000 ~ Rate includes all available discounts*
PrimeEquity EQUITY LOANS - FIXED RATE
PrimeEquity First Deed of Trust**	-----	Refinance or Equity ~ Terms available up to 360 months ~  Please contact the Credit Union for a current quote on rates and for more program details.
PrimeEquity Second Deed of Trust**	4.990	Up to 60 Months ~ Rate valid on LTV up to 80% ~ Please  contact the Credit Union for a current quote on rates and for  more program details.
PrimeEquity Second Deed of Trust**	4.990	Up to 180 Months ~ Rate valid on LTV up to 80% ~ Please contact the Credit Union for a current quote on rates and for more program details.
PrimeEquity Second Deed of Trust**	4.990	Up to 240 Months ~ Rate valid on LTV up to 80% ~ Please contact the Credit Union for a current quote on rates and for more program details.
PrimeLine HOME EQUITY LINE OF CREDIT (HELOC) - VARIABLE RATE
PrimeLine***	4.740	Up to 80% LTV ~ Introductory Rate listed is valid for  three (3) months. The rate after 3 months is as low as 5.00%.
PERSONAL SECURED LOANS
Motorcycles (below 750cc), Personal Watercraft, All Terrain Vehicles (ATVs) & Snowmobiles	4.240	Up to 72 Months ~ Collateral 2002 or newer and must be  titled ~ Rate includes all available discounts*
PERSONAL UNSECURED LOANS
Prime Personal Line of Credit******	9.990	Please see Consumer Loan Disclosure below for a complete listing of terms, conditions and fees. Click here for program details.
LifeStyle	9.900	Up to 60 Months ~ Click here for program details. ~ Rate includes all available discounts*
Signature	10.990	Up to 60 Months ~ Rate includes all available discounts*
Holiday Helper (Available  October - December)	17.502	Up to 12 Months ~ Interest Rate 9.99% ~ Application Fee Applies*****
Classic Visa	9.900	View Visa Cardholder Agreement
OTHER LOANS
Secured by shares, certificate or select money market account.	N/A	Up to 144 Months ~ Variable Rate ~ Rate applied to account will always be 3.00% above the rate you earn on the secured shares.
Mobile or Manufactured Homes**	7.990	Up to 180 Months ~ Loan to Value not to exceed 80% of  Appraised Value ~ Please contact the Credit Union for more information on collateral restrictions.

CONSUMER LOAN DISCLOSURE ~ All loans are subject to approval. Unless otherwise noted, 100% financing available on approved credit, plus tax and licensing. Existing PrimeSource loans are not eligible for refinance at these rates.

*Rates include a 0.50% discount for having other PrimeSource loans or PrimeSource Visa with at least a $5k balance, or with direct deposit of net payroll into a PrimeSource Checking Account. Your rate and term may be different. In addition rates also include a .25% discount for paying your monthly payments automatically by electronic means.

****Rate Premiums: For Used Auto's aged 2003, 2004 or 2005 add 1.00% to the approved rate. For Used Auto's with over 94,999 miles add 0.50% to the approved rate. For Use Auto's with over 124,999 miles add 1.00% to the approved rate.

*****Holiday Helper Loan: One rate for all approved borrowers. Interest accrues at 9.99% Application Fee is a FINANCE CHARGE therefore, with the application fee the modified APR IS 17.502%

******Prime Personal Line of Credit: Rates effective 04/01/2013. Rates are as low as 9.99% APR; could be higher based on individual creditworthiness. Variable rate indexed to hightest prime rate published in the Wall Street Journal 15 days prior to the beginning of the quarter; rate may change quarterly. The maximum APR is 18.00%; minimum is 9.99%. A $75.00 annual fee applies, PSCU will refund this fee if automatic payments are maintained.

► NO PAYMENTS FOR 90 DAYS DISCLOSURE ~ Depending upon credit quality the first payment may be delayed for up to 90 days. First payment due dates will be set based upon credit quality and will range anywhere from 30 to 90 days. Interest will continue to accrue on the loan balance from the date of inception until the deferred payment start date.

SAVE A POINT AUTO REFINANCE DISCLOSURE ~ Effective 6/01/12. Rate may vary depending upon credit quality, collateral, final loan to value, and other active services with PrimeSource.  Existing PrimeSource loans are not eligible for refinance at these rates.

Maximum loan to value, 105% of the MSRP (new vehicles) or NADA Retail Value (used vehicles) of the collateral, plus the cost of any selected PSCU Protection products (Guaranteed Asset Protection, Debt Protection, Mechanical Breakdown Protection). Save A Point – Examples are strictly estimates, actual savings will vary depending on actual borrower circumstances. Upon approval we will drop your interest rate by at least 1.00% (assuming your rate is currently at least 3.24%) and depending on the current interest rate that is being paid along with credit quality, possibly even more than 1.00% - However, under no circumstance will the assigned interest rate be less than 2.24% APR. Limited time offer subject to change without notice. A one time $20 membership fee may apply. Membership is open to anyone that lives, works, or worships within the state of Washington.

**FIXED RATE EQUITY AND MOBILE HOME LOAN DISCLOSURE ~ Property must be member’s primary residence. Contact a loan officer for a current quote on fees, rates, terms, and more details. Payment Examples: a 5 year term would be 60 monthly payments as low as $18.88 at 4.99% APR for each $1,000.00 borrowed; a 15 year term would be 180 monthly payments as low as $7.91 at 4.99% APR for each $1,000.00 borrowed; a 20 year term would be 240 monthly payments as low as $6.60 at 4.99% APR for each $1,000.00 borrowed.