Loan Interest Rates

Our rates are made available to assist you in making financial decisions. Rates are subject to change and when in doubt, please Contact Us. Rates last updated February 14, 2008.

First Mortgage Loans -- Three Year Demand Feature

TERM	90% Financing - No Points	80% Financing - No Points
15 years or less	6.00%APR*	5.75% APR*
16-30 years	6.40% APR*	6.15% APR*

TERM	90% Financing - One Point	80% Financing - One Point
15 years or less	5.75% APR*	5.50% APR*
16-30 years	6.15% APR*	5.90% APR*

Home Equity Line of Credit Loans

6.25 % APR* effective 4/01/08. This is a variable rate that may change the first day of every quarter.

There is no origination fee, no title fee, no appraisal fee under $25,000, no recording fee, no prepayment penalty, no points or extra charges. The interest rate charged for the outstanding balance is the rate quoted as the prime lending rate plus 1%. The interest rate for the loan is a variable rate which may increase or decrease and is adjusted on the first day of each calendar quarter. There is no maximum rate. The rate determination is based on the Wall Street Journal in the "Money Rates" section. The minimum monthly payment is equal to 1.5% of the outstanding balance with a minimum required payment of $100. Interest is calculated only on the amount actually borrowed and not on the available credit line.

Second Mortgages

	5 years or less - 8.25% APR* Fixed
	6 - 15 years - 8.75% APR* Three year demand feature

New and Used Vehicle Loans

Age of Vehicle	80% Financing	100% Financing	Term
2006 or newer	5.65% APR*	6.15% APR*	60 Months
2003-2005	6.75APR*	7.00% APR*	54 Months
2002 or older	7.75% APR*	8.00% APR*	42 Months

"The Better We Know You, The Better It Gets."

1/2% discount on new and used cars, RV's, motor homes, travel trailers and boats if you have or open a checking account and use any additional PCCU Services.

New and Used RVs/Motor Homes/Travel Trailers/Boats

YEAR	TERM	100% Financing	80% Financing
2006 or newer	60 months	7.40% APR*	6.90% APR*
2003-2005	54 months	8.00% APR*	7.50% APR*
2002 or older	48 months	9.00% APR*	8.50% APR*

* = Annual Percentage Rate

Longer terms are available upon request and approval JET SKIS AND SNOWMOBILES ARE 1% HIGHER THAN THE ABOVE RATES