Rates

Penn Wilco Federal Credit Union

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Rates

Savings rates are determined by the Board of Directors at the end
of each calendar quarter (e.g. rates for 3/31/13 will be decided in late March). They are computed based on the average monthly balance. An account may earn dividend credit at multiple rates if the average monthly balance falls into different tiers during each month of the quarter. Rates paid for the quarter ending 12/31/12 are as follows:

CURRENT LOAN RATES

*subject to change based on approval of the Board of Directors

PRINTABLE LOAN APPLICATIONS

Text Box: Applicants must leave at least 1% of the loan
balance(s) on deposit in regular shares up to a maximum of $500.00,
but not less than $50.00.

Text Box: Signature loan limits
are subject to your
income level.
A co-maker may be required.

Text Box: We can finance: 95% of the price excluding fees & taxes for new cars 95% of the N.A.D.A. retail value for 2012, 2011, or 2010 model years 90% of the N.A.D.A. retail value for 2009, 2008, or 2007 model years 85% of the N.A.D.A. retail value for 2006, 2005, or 2004 model years ** Manufacturer rebates count toward the 5% down. Dealer discounts do not.

Text Box: Boats, mobile homes, or motorcycles cannot be classified as vehicle loans.

Text Box: Share secured loans are for a minimum of $1,000 and have no maximum.

Text Box: Home equity loans require submission of an application along with a copy of your deed. They take an average of 3 weeks to process due to appraisal, title search, etc. We will call you to schedule your closing in our office, and funds will be disbursed 3 days after your closing.

Text Box: The Credit Union must be the first OR second mortgagee for all home equity loans. You may wish to pay off an existing mortgage or mortgages to consolidate payment or lower your interest rate.

Text Box: Loans are disbursed by pre-scheduled appointment, typically in the Wilkes-Barre office. WE ARE ACCEPTING LOAN APPOINTMENTS IN SCRANTON ON SOME WEDNESDAYS! Please contact Roger or Linda at (570) 820-0400 for your appointment or more information.

APR = Annual Percentage Rate

APY = Annual Percentage Yield

http://www.ncua.gov/PublishingImages/NCUAGraphics/BlkENGinsurlabel.jpg

	Regular Shares
Balance:	APR:	APY:
$0—$499.99	0.000%	0.000%
$500—$4,999.99	0.150%	0.150%
$5,000-$9,999.99	0.150%	0.150%
$10,000—$24,999.99	0.250%	0.250%
$25,000—$49,999.99	0.350%	0.350%
$50,000 +	0.450%	0.451%

Christmas Shares:			Vacation Shares:
$0—$99.99	0.000%	0.000%	$0—$499.99	0.000%	0.000%
$100 +	0.150%	0.150%	$500 +	0.150%	0.150%

Share Draft Accounts:
All balances	0.000%	0.000%

Signature Loans

             0-18 months
             19-36 months
             37-48 months
             49-60 months

5.75%
6.75%
7.50%
8.25%

Vehicle Loans (2013, 2012, 2011, 2010)

             24 months
             36 months
             48 months with 24 month balloon
             48 months
             60 months

     Available with Mileage Under 20,000
              (new or 1 year old):
              72 months with 36 month balloon
              72 months fixed

     Available for $35,000+ Loans on Current
              Model Year:
              84 months with 42 month balloon
              84 months fixed

2.75%
3.20%
2.99%
3.75%
3.90%

3.45%
4.50%

4.50%
5.50%

Vehicle Loans (2009, 2008, 2007)

      36 months
      48 months
      60 months

3.90%
4.25%
4.50%

Vehicle Loans (2006, 2005, 2004)

36 months
48 months

4.50%
4.90%

100% Share Secured Loans

      24 months
      36 months
      72 months with 36 month balloon
      48 months with 24 month balloon
      48 months
      84 months with 42 month balloon
      60 months
      72 months
      84 months

2.75%
3.20%
3.45%
2.99%
3.75%
4.50%
3.90%
4.50%
5.50%

50% Share Secured Loans

      36 months
      48 months
      60 months

5.00%
5.75%
6.25%

Home Equity Loans (Minimum of $15,000)

      Fixed:
                 36 months
                 48 months
                 60 months
                 72 months
                 84 months

       72 months with 3 year balloon
       108 months with 3 year balloon
       144 months with 3 year balloon

96 months with 4 year balloon
144 months with 4 year balloon

120 months with 5 year balloon
180 months with 5 year balloon

144 months with 6 year balloon

168 months with 7 year balloon

3.50%
3.75%
3.90%
4.75%
4.90%

3.50%
3.90%
3.90%

4.25%
4.25%

4.25%
4.50%

4.90%

Home Equity Application Fees	With Appraisal	Without Appraisal
Balloon rewrites with no new money loaned	N/A	No fee
$60,000 and Up	Free if term or 6 years or more, $100 if term is 5 years or less	No fee
$40,000—59,999	$150	$50
$25,000—39,999	$200	$75
$15,000—24,999	$250	$75
Appraisals are valid for 5 years. If a home equity loan is paid off in less than 36 months, the fee is $150 at the time of payoff.