Rates are subject to change without notice.  Other rates and terms available.  Interest rate will be determined by individual creditworthiness.

* Advertised APRs are the lowest available and include a .25% discount with automatic payment from either a PPFCU account or payroll.  It also includes a .25% discount if the borrower has an active checking account at PPFCU at the time of application. Existing PPFCU loans not eligible.
 
** Advertised APR is lowest available for qualifying properties with a loan-to-value (LTV) of 80% or less.  Advertised APR is lowest available and includes a .25% discount with automatic payment from either a PPFCU account or payroll.  It also includes a .25% discount if borrower has an active checking account at PPFCU at the time of application.  Other rates and terms available.  Applicable trust reviews fees apply.  Property insurance (and flood insurance if applicable) required. Rate subject to change without notice.  Interest rate will be determined by individual creditworthiness. 1-4 family owner-occupied primary residence properties only. 

*** Home Equity Line of Credit Prime Rate.   Prime rate is the Wall Street Journal Prime Rate (3.25% as of 3/15/09).  Advertised Annual Percentage Rate (APR) is a variable APR equal to Prime Rate, includes a minimum APR of 4.50%, and is lowest available.  Other rates and terms available.  APR will not exceed 18% or be less than 4.50%.  Interest rate and line amount determined by individual creditworthiness and loan-to-value ratio.  Account subject to individual approval. Applicable trust review fees apply.  1-4 family, owner-occupied, primary residence properties only.  Property insurance (and flood insurance if applicable) required. Rate subect to change without notice.   

****Mortgage Loans.  Advertised APR available for qualifying properties, first lien position with a loan-to-value (LTV) of 80% or less, and a maximum repayment period of 180 months.  A minimum credit score is required for all borrowers.  No pre-payment penalty.  Applicable trust review fees apply.  Property insurance (and flood insurance if applicable) required.  Rate subject to change without notice.  Account subject to individual approval.  1-4 family owner-occupied primary residence properties only.  Certain restrictions apply.

Repayment examples:

For new and used auto loans:  At 4.50% APR, 72 monthly payments of $15.88 per $1,000 borrowed.

For equity loans:  At 5.25% APR, 180 monthly payments of $8.06 per $1,000 borrowed.

For new motorcycle loans:  At 6.49% APR, 60 monthly payments of $19.58 per $1,000 borrowed.

For new RV/Boat/Trailor loans:  At 8.49% APR, 60 monthly payments of $20.52 per $1,000 borrowed.

For personal loans:  At 12.50% APR, 36 monthly payments of $33.40 per $1,000 borrowed.

For mortgage loans:  At 4.75% APR monthly payments of $7.80 per $1,000 borrowed.