Rates

		Rates

Loans | Mortgage | Savings | Certificates

ALL LOAN AND SAVINGS RATES ACCURATE AS OF
NOVEMBER 1, 2008
RATES SUBJECT TO CHANGE WITHOUT NOTICE

Loans	Rate	APR*	Term
New Automobile Loan RATES AS LOW AS: With terms beginning at 36 months. Rates based on TransUnion credit score.	2.95%	2.95%		Calculator
Used Automobile Loan RATES AS LOW AS: With terms beginning at 36 months. Rates based on TransUnion credit score.	4.45%	4.45%		Calculator
Share Secured	8.20%	8.20%	60	Calculator
Unsecured Loan Open End	14.45%	14.45%	n/a	Calculator
Unsecured Loan Closed End RATES AS LOW AS: With terms beginning at 36 monthes. Rates based on TransUnion credit score.	8.95%	8.95%		Calculator
VISA	VAR	VAR	n/a	Calculator

APR = ANNUAL PERCENTAGE RATE
AUTO LOAN RATES REFLECT AUTOMATIC PAYMENT FROM PDCU CHECKING.
AUTO LOANS WITHOUT AUTOMATIC PAYMENT FROM PDCU CHECKING ARE 0.25% HIGHER.
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RATES SUBJECT TO CHANGE WITHOUT NOTICE

HOME EQUITY LINE OF CREDIT WITH PDCU CHECKING

Rate	Points	APR*
PRIME	0	PRIME

HOME EQUITY LINE OF CREDIT WITHOUT PDCU CHECKING

Rate	Points	APR*
PRIME + 0.25%	0	PRIME + 0.25%

SECOND MORTGAGE 60 MONTHS

Rate	Points	APR*
5.875%	0	5.875%

SECOND MORTGAGE 96 MONTHS

Rate	Points	APR*
6.000%	0	6.000%

15 Year MORTGAGE

Rate	Points	APR*
6.125%	0	6.125%

20 Year MORTGAGE

Rate	Points	APR*
6.500%	0	6.500%

APR = ANNUAL PERCENTAGE RATE
MORTGAGE LOAN RATES REFLECT AUTOMATIC PAYMENT FROM PDCU CHECKING.
MORTGAGE LOANS WITHOUT AUTOMATIC PAYMENT FROM PDCU CHECKING ARE 0.25% HIGHER.
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RATES SUBJECT TO CHANGE WITHOUT NOTICE

Savings	Dividend Rate	APY*	Term
Share Savings $5.00 - $100.00		0.000	n/a
Share Savings $100.01 - $5,000.00	.75%	.75%	n/a
Share Savings $5,000.01 - $10,000.00	1.00%	1.00%	n/a
Share Savings $10,000.01 - $20,000.00	1.24%	1.25%	n/a
Share Savings $20,000.01 - $40,000.00	1.44%	1.45%	n/a
Share Savings $40,000.01 and Above	1.59%	1.60%	n/a
Regular IRA	3.21%	3.25%	n/a
Christmas Club Savings	2.23%	2.25%	n/a

APY = ANNUAL PERCENTAGE YIELD
INTEREST PAID QUARTERLY

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RATES SUBJECT TO CHANGE WITHOUT NOTICE

Certificates	Dividend Rate	APY*	Term
Youth C.D. $100 min deposit 17 years and under. Available for all terms offered. See rates below.
3 Month C.D. $500. min deposit	2.97%	3.00%	3
6 Month C.D. $500. min deposit	3.21%	3.25%	6
9 Month C.D. $500. min deposit	3.26%	3.30%	9
12 Month C.D. $500. min deposit	3.75%	3.80%	12
18 Month C.D. $500. min deposit	3.84%	3.90%	18
30 Month C.D. $500. min deposit	3.94%	4.00%	30
60 Month C.D. $500. min deposit	4.52%	4.60%	60
3 Month Jumbo C.D. $10,000. min deposit	3.06%	3.10%	3
6 Month Jumbo C.D. $10,000. min deposit	3.26%	3.30%	6
9 Month Jumbo C.D. $10,000. min deposit	3.31%	3.35%	9
12 Month Jumbo C.D. $10,000. min deposit	3.84%	3.90%	12
18 Month Jumbo C.D. $10,000. min deposit	3.89%	3.95%	18
30 Month Jumbo C.D. $10,000. min deposit	4.04%	4.10%	30
60 Month Jumbo C.D. $10,000. min deposit	4.62%	4.70%	60
IRA C.D. 12 Months Under $10,000.	4.04%	4.10%	12
IRA C.D. 30 Months Under $10,000.	4.28%	4.35%	30
IRA C.D. 60 Months Under $10,000.	5.01%	5.10%	60
IRA C.D. 12 Months Jumbo $10,000. min deposit	4.09%	4.15%	12
IRA C.D. 30 Months Jumbo $10,000. min deposit	4.38%	4.45%	30
IRA C.D. 60 Months Jumbo $10,000. min deposit	5.10%	5.20%	60

APY = ANNUAL PERCENTAGE YEILD
INTEREST PAID QUARTERLY
PENALTY FOR EARLY WITHDRAWL

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