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 9/30/10 will be decided in late September). 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 6/30/10 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 2009 or 2008 model years 90% of the N.A.D.A. retail value for 2007, 2006, or 2005 model years 85% of the N.A.D.A. retail value for 2004, 2003, or 2002 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: Loans are disbursed by pre-scheduled
appointment in our Wilkes-Barre office.
Please contact Roger or Linda at (570) 820-0400
for your appointment or more information.

Text Box: Home Equity Loan Application Fees: $50 if loan is $40,000+ $150 if loan is $20,000—39,999 $250 if loan is under $20,000

Paying off credit cards? Special LOWER rates may apply for our current CREDIT CARD CRUSHER promotion! Call us at (570) 820-0400 for details.

Regular Shares:	APR:	APY:
$0—$499.99	0.000%	0.000%
$500—$4,999.99	0.750%	0.752%
$5,000-$9,999.99	1.100%	1.105%
$10,000—$24,999.99	1.350%	1.357%
$25,000—$49,999.99	1.600%	1.610%
$50,000 +	1.750%	1.762%

Christmas Shares:
$0—$99.99	0.000%	0.000%
$100 +	0.750%	0.752%

Share Draft Accounts:
$0—$4,999.99	0.000%	0.000%
$5,000 +	0.500%	0.501%

Signature Loans ($1,000—$2,000, all terms)

9.00%

Signature Loans (Over $2,000)

             12 months
             24 months
             36 months
             48 months
             60 months

7.50%
8.50%
9.50%
10.50%
11.50%

Vehicle Loans (2010, 2009, 2008)

             24 months
             36 months
             48 months
             60 months

     Available with Mileage Under 15,000:
              72 months with 36 month balloon
              72 months fixed

     Available for $25,000+ Loans on Current
              Model Year:
              84 months with 42 month balloon
              84 months fixed

3.90%
3.90%
4.90%
5.25%

3.90%
5.50%

4.90%
5.75%

Vehicle Loans (2007, 2006, 2005)

      36 months
      48 months
      60 months (only for loan of $15,000+)

4.90%
5.25%
5.50%

Vehicle Loans (2004, 2003, 2002)

36 months
48 months

5.50%
5.90%

100% Share Secured Loans

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

3.90%
3.90%
4.50%
4.90%
4.90%
5.25%
5.50%
5.75%

50% Share Secured Loans

      36 months ($1,000—2,500)
      48 months ($2,501—4,000)
      60 months ($4,001 +)

7.50%
8.00%
8.50%

Home Equity Loans (Minimum of $10,000)

      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

4.50%
4.90%
5.25%
5.50%
5.75%

4.90%
4.90%
5.15%

5.15%
5.40%

5.40%
5.50%

5.65%

5.75%