Loan Rates

Loan rates listed below are the lowest available to qualified borrowers, your loan rate and term is determined by your credit
history and may be different. APR = Annual Percentage Rate. LTV = Loan to Value (determined as a percentage of MSRP
for new collateral or NADA Retail for used). Rates are subject to change without notice.

Rates Effective: 9/01/2010

AUTO, TRUCK & LARGE MOTORCYCLE LOANS (minimum 750cc) *APR TERMS**
New & Used ~ 2008 or Newer	2.990	Up to 72 Months ~ Valid up to 100% LTV Plus the cost of selected PrimeSource Protection Products ~ Mileage at time of loan not to exceed 100,000 ~ Rate includes a 1.00% combined discount for having direct deposit of net payroll to a PSCU Checking account and for electing to receive your periodic statements electronically.
New & Used ~ 2003 or Newer	3.990	Up to 72 Months ~ Valid up to 110% LTV ~ For approved LTV over 110% add 1.00% to approved rate ~ Mileage at time of loan not to exceed 100,000
New & Used ~ 2008 or Newer	4.490	Up to 84 Months ~ Valid up to 110% LTV ~ For approved LTV over 110% add 1.00% to approved rate ~ Mileage at time of loan not to exceed 100,000
New & Used ~ 2000 or Newer	5.250	Up to 72 Months ~ Rate includes all available discounts*
OLDER USED AUTOS & TRUCKS
Used ~ 1995 to 1999 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 60 Months ~ LTV not to exceed 85% ~ Maximum loan amount $15,000 ~ Collateral 2000 or newer ~ Click here for more important details.
First Time Auto Buyer ~ Co-Signed	6.240	Up to 60 Months ~ LTV not to exceed 95% ~ Maximum loan amount $15,000 ~ Collateral 2000 or newer ~ Click here for more important details.
BOATS & RV
New & Used	5.990	Up to 72 Months ~ LTV not to exceed 80% ~ Collateral 2000 or newer ~ Rate includes all available discounts*
New & Used	6.490	Up to 72 Months ~ LTV greater than 80% ~ Collateral 2000 or newer ~ Rate includes all available discounts*
New & Used	6.750	80% LTV. Up to 180 Months. Minimum amount for terms over 120 months is $30,000
New & Used	7.250	Up to 180 Months ~ LTV not to exceed 80% ~ Collateral 2000 or newer ~ 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**	6.240	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**	6.990	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	6.500	Up to 72 Months ~ Collateral 2000 or newer and must be titled ~ Rate includes all available discounts*
PERSONAL UNSECURED LOANS
Lifestyle	9.900	Up to 60 Months ~ Click here for program details. ~ Rate includes all available discounts*
Signature	11.990	Up to 60 Months ~ Rate includes all available discounts*
Holiday Helper (Available October - December)	11.990	Up to 12 Months ~ Rate includes all available discounts*
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**	9.500	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.

**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 $8.58 at 6.24% APR for each 1000.00 borrowed; a 20 year term would be 240 monthly payments as low as $7.76 at 6.99% APR for each $1000.00 borrowed.

***HOME EQUITY LINE OF CREDIT (HELOC) ~ 4.74% APR is an introductory (intro) rate available to qualified members and may vary based on credit worthiness and loan to value. Intro rate expires three (3) months from the loan closing date; applies to all balances during the intro period. The rate after the intro period is as low as 5.00% APR; could be higher based on individual creditworthiness and loan to value. Variable rate indexed to highest prime rate published in the Wall Street Journal 15 days prior to the beginning of the quarter; rate may change quarterly. Rates effective 04/01/2010.The maximum APR is 18.00%; minimum is 5.00%. Up to 90% loan-to-value minus any liens; maximum loan amount $200,000.00. 10 year draw period with maximum 180 month repayment period. $75.00 annual non-usage fee when there is no activity within one calendar year. Minimum initial draw required of $2,500.00; third party fees (closing costs) range between $1.00-1,000.00. Minimum advance to have closing costs waived with the exception of any necessary appraisal is $15,000.00. Member is responsible for appraisal fees. If line of credit is closed within 24 months of origination, reimbursement of third party closing costs will be required. Offer valid 04/01/2010 and is subject to change. Consult your tax advisor(y) concerning deductibility of interest.