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| Loan Type | Maximum Amount | APR | Maximum Term | Requirements |
| 1st Mortgage (Call for Details) | Call for details | For current rates, and more info, call 1-800-503-6855 or 770-506-7476. | Creditworthy subject to terms of secondary mortgage market; call Credit Union for an application | |
| 2nd Mortgage & Home Equity (*5) | Based on Collateral | EFFECTIVE 12-16-2008 Prime +1.5% * Rate may vary |
15 years | Creditworthy; 80% of appraised value minus mortgage balance |
| New: Auto, Truck, Motorcycle (*2,5,6) | 100% of sticker price | 4.59% (*7) - or - 3.59% with 20% down payment-through April 15, 2010 |
1-5 years (*6) Longer terms available Call Credit Union | Title Creditworthy |
| Used: Auto, Truck, Motorcycle (*2,3,5,6) | 100% of NADA retail value for no more than 3 years old. 85% for models older than 3 years old. | 4.59% (*7) - or - 3.59% with 20% down payment-through April 15, 2010 |
1-5 years (*6) Longer terms available Call Credit Union | Title Creditworthy |
| New: RV, Camper, Boat, (*2,5,6) | 100% of sticker price | 5.24% (*7) | 1-5 years (*6) Longer terms available Call Credit Union | Title Creditworthy |
| Used: RV, Camper, Boat, (*2,3,5,6) | 100% of NADA retail value for no more than 3 years old. 85% for models older than 3 years old |
5.24% (*7)
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1-5 years (*6) Longer terms available Call Credit Union | Title Creditworthy |
| VISA | $10,000 | 13.56% | Unpaid Balance | Creditworthy |
| CD Secured | 100% of CD face value | 1% above rate on CD | Terms of CD | Certificate |
| Spring Signature Loan | $ 3,000 | 6.90% through April 15, 2010 |
1 yr term |
Creditworthy |
| Signature Loan | $7500 |
11% up to 15% |
1yr-11%: 2yrs-12%: 3yrs-13%: 4yrs-14% 5yrs-15% |
Excellent credit and below 40% debt ratio |
*2. Cannot be refinanced to get a lower rate.
*3. Refinanced auto loans are made at loan values in current NADA book.
*4. Titles are accepted as collateral at NADA retail value and stock at 80% of current value.
*5. Petroleum Associates Federal Credit Union will pay off any new or used auto loan held with another financial institution.
Above rates would apply to refinancing in the absence of any special loan promotion.
*6. Longer terms are available. Please call nearest office for more details.
*7. Rates are based on individual credit worthiness at time of advance. Rates are subject to change.
* For current first mortgage rates, please call 1-800-503-6855.
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