Pittsburgh Police Federal Credit Union

Loan Rates

Type	Term	Annual Percentage Rate	Notes
New Auto*	72 Months		2009 models and new 2008
		4.85%	A+/A Credit Score
		5.25%	B Credit Score
		6.25%	C Credit Score
		8.50%	D Credit Score
Shorter Terms=Lower Rates	Call C.U. for Rates	10.50%	E Credit Score
Used Auto*	72 Months		2008 - 2003 models
		5.85%	A+/A Credit Score
		6.25%	B Credit Score
		7.25%	C Credit Score
		9.50%	D Credit Score
Shorter Terms=Lower Rates	Call C.U. for Rates	11.50%	E Credit Score
Older Used Auto		See Personal Rates	2002 models and older
Home Equity(rates shown for A credit score)	5 Years	5.25%	Fixed Rate
	10 Years	5.50%
	15 Years	5.75%
Personal	12 Months-60 Months	7.00%	A+ Credit Score
		8.00%	A Credit Score
		9.00%	B Credit Score
		11.00%	C Credit Score
		14.00%	D Credit Score
		17.00%	E Credit Score
Special Loans	12 Months		$2000.00 Maximum
		5.50%	A/B/C Credit Scores
		7.50%	D/E Credit Scores
100% Share Secured	All Terms	4.00%
100% Certificate Secured	All Terms	2.00% above CD Rate

* GAP Insurance is required for 100% financing on new vehicles. All New & Used Motorcycle loans are an additional 1% APR over New and Used Vehicle loan rates. All New & Used RV loans are an additional 2% APR. Special rates for Luxury Cars (NADA IV) models are available - please contact the credit union for rates.

Please note the following applies to all loans:

1. Secured loans that are cancelled after processing will be charged a $25.00 fee.

2. All loans subject to cross collateral provisions.

3. In compliance with FACT ACT 2004, we are notifying out members that the credit union reports loan payments to the three major credit bureaus. If your loan should become delinquent, our reporting may affect your credit score.

Certificates of Deposit

Term	Annual Percentage Rate	Annual Percentage Yield
6 Month	1.25%	1.25%
12 Month	1.50%	1.50%
36 Month	2.00%	2.00%

Terms and Disclosures:

The interest rate will be paid at maturity; beginning to accrue on the business day you make your deposit. The daily balance method to calculate the interest on your account is used. It applies a daily periodic rate to the principal to the account each day. The interest earned will be credited to the certificate upon maturity. Certificates DO NOT automatically renew upon maturity. The annual percentage yield(APY) assumes the interest remains on deposit until maturity.

Minimum deposit amount $500.00.

Maximum deposit amount $50,000.00.

Early withdrawal penalties: After the certificate is open, you may not make deposits or withdrawals from the balance till maturity. If you withdraw before the maturity date, the following penalty will be imposed:

6-12 month CD - 30 days of interest.
36 month CD - 60 days of interest

In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.

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	We Do Business in Accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.