LOANS
Signature Loans Type Term Annual Percentage Rate Maximum Loan Amount Restrictions Closed-end 3 & 5 Years 10% - 14% $15,000.00 — Vacation Loans Type Term Annual Percentage Rate Maximum Loan Amount Restrictions Closed-end 1 Year 10.50% $1,000.00 April-September Holiday Loans Type Term APR* Maximum Loan Amount Restrictions Closed-end 1 Year 10.50% $1,000.00 October-December Line of Credit* Type Term APR* Maximum Loan Amount Restrictions Over-the-Counter Revolving 14.50% $7,500.00 — Overdraft Line of Credit Type Term APR* Maximum Loan Amount Restrictions Over-the-Counter Revolving 14.50% $500.00 — VISA Cards* Type Term APR* Maximum Loan Amount Restrictions VISA Classic Revolving 14.99% $7,500.00 Ask for Details VISA Gold Revolving 10.49% $12,500.00 Salary Level Required Collateral Loans Type Term APR* Maximum Loan Amount Restrictions Deposit Share Loans 5 Years 5.50% $10,000.00 Up to 90% of Savings Automobile Loans Type Term Annual Percentage Rate Maximum Loan Amount Restrictions New Car 3 Years 4.49% $50,000.00 Up to 100% 4 Years 5.79% $50,000.00 Up to 100% 5 Years 6.29% $50,000.00 Up to 100% 6 Years 6.95% $50,000.00 Up to 100% Used Car (2002 thru 2007) 3 Years 6.29% $50,000.00 Up to 90% 4 Years 6.80% $50,000.00 Up to 90% 5 Years 7.45% $50,000.00 Up to 90% Older Used Car 3 Years 11.00% $25,000.00 Up to 90% 4 Years 12.00% $20,000.00 Up to 90% First Mortgage Type Term APR* Maximum Loan Amount Restrictions Available through the Credit Union by our mortgage correspondent, Lenders Mortgage Services, at market rates; $350.00 fee. Second Mortgages Type Term Annual Percentage Rate Maximum Loan Amount Restrictions Home Equity Fixed Term 5 Years 6.25% $100,000.00 $500.00 Application Fee 8 Years 6.45% $100,000.00 $500.00 Application Fee 10 Years 6.65% $100,000.00 $500.00 Application Fee 12 Years 6.85% $100,000.00 $500.00 Application Fee 15 Years 7.05% $100,000.00 $500.00 Application Fee Home Equity Line of Credit Type Term APR* Maximum Loan Amount Restrictions Open line 5-year term; 25-year amortization 5.25% $100,000.00 $500.00 Application Fee MasterCard Debit Card Available on base with up to $500.00 withdrawn per day *Rates are effective as of 11-15-2007 and are subject to change without notice. *NOTE:  Members cannot have an open "Line-of-Credit" AND a VISA account. You can have one or the other, but not both. *NOTE:  The annual percentage rate on the Home Equity Lines of Credit may vary. The maximum ANNUAL PERCENTAGE RATE that can apply is 16.0%or the maximum permitted by law, whichever is less. *NOTE:  The Application Fee for Home Equity Loans is non-refundable and due at application. *SEE NOTICES, TERMS AND CONDITIONS FOR HOME EQUITY EARLY DISCLOSURE. *APR=Annual Percentage Rate For Signature Loans:  $4,000.00 for 3 years @12.00 APR; monthly payment - $132.93. For Holiday and Vacation Loans:  $1,000.00 for 1 year @10.50% APR; monthly payment - $88.17. For New Auto Loans:  $20,000.00 for 5 years @6.29 APR;  monthly payment - $389.48. For Used Auto Loans:  $12,000.00 for 4 years @6.80 APR; monthly payment - $286.34. For Share Covered Loans:  $7,500.00 for 5 years @5.50 APR; monthly payment - $143.30. For Closed End Home Equity Fixed Term Loans:  $25,000.00 for 8 years @6.45 APR; monthly payment - $334.17. For Open End Loans, any fee considered is a finance charge. The Annual Percentage Rate may vary. VISA CARDS There are costs associated with the use of the card (over the limit fees, late charges). *SEE NOTICES, TERMS AND CONDITIONS FOR VISA DISCLOSURE. The member may contact the card issuer to request information about the costs, or call the toll free number 1-800-433-0505, or write to Pacul Services, Inc., P.O. Box 60070, Harrisburg, PA 17106-0070.
	DEPOSIT ACCOUNTS
Share Accounts (Savings): Required for membership Type Dividend Rate Annual Percentage Yield Minimum Balance Details With Life Insurance 0.50% 0.50% $25.00 $300.00 to earn interest Grandfathered in 8/1990 Without Life Insurance 0.75% 0.75% $25.00 $300.00 to earn interest New Members Only Share Draft Accounts (Checking) Type Dividend Rate APY* Minimum Balance Details Checking 0.00% 0.00% $5.00 No fee checking Capital Maximizer Account Type Dividend Rate APY* Minimum Balance Details Money Market 1.50% N/A $15,000.00 Adjusted Monthly; Free checking for life IRAs Money Market Accounts Type Dividend Rate APY* Minimum Balance Details IRA 1.50% N/A $100.00 Adjusted Monthly Share Certificates Type Dividend Rate Annual Percentage Yield Minimum Balance Details 3 Month 1.25% 1.26% $500.00 Subject to Change 6 Month 1.45% 1.47% $500.00 Subject to Change 9 Month 1.65% 1.66% $750.00 Subject to Change 12 Month 1.85% 1.86% $1,000.00 Subject to Change 24 Month 2.30% 2.32% $1,500.00 Subject to Change 36 Month 2.50% 2.53% $2,500.00 Subject to Change 48 Month 2.90% 2.94% $5,000.00 Subject to Change 60 Month 3.65% 4.09% $7,500.00 Subject to Change 11 Month (Special) 3.01% 3.05% $5,000.00 Maximum $25,000.00 Special Club Accounts Type Dividend Rate APY* Minimum Balance Details Vacation Club 0.00% 0.00% $5.00 — Christmas Club 0.00% 0.00% $5.00 — Group Club 0.00% 0.00% $5.00 For special base groups * = Annual Percentage Yield Rates are effective as of 04-01-2008 and are subject to change without notice. *For variable rate accounts such as the Share Accounts, Money Market Accounts and IRA Accounts, please note that the rate may change after the account is opened. *For IRA Accounts and Share Certificate Accounts, please note that a penalty will be imposed for early withdrawal. *For Share Certificate Accounts, the annual percentage yield is accurate for the time specified. *The minimum balance to earn the annual percentage yield for savings is $300.00; for Share Certificates, please refer to the table listed above. For Share Accounts, fees such as dormant account fees, overdraft protection fees, returned ACH fee and ATM overdraft fee, could reduce the earnings on the account.