Rates at Prime Care Credit Union

Office (757) 388-3834 Fax (757) 388-2698
Rates & Fees

Share Certificates Effective .3-1-11
Months	Annual Percentage Rate	Yield
6	.40%	.40%
12 24	.60% .75%	.60% .75%

$500 minimum only for minor accounts. $1000 minimum for share certificates.

Loan Rates Effective 6-21-11
100%	Share Covered Loans (Fixed rate)	3.00% Above Current Dividend Rate
50%	Share Covered Loans	2.00% Below Current Signature Loan Rate
Share Certificates 4% above certificate rate.

New Car Loan Rates APR
Finance 100% MSRP	2.79% -11.79%	Up to 36 Months
(Never been titled)	3.09% - 12.09%	Up to 48 Months
	3.39% - 12.39% 3.79% - 8.79% 3.99% - 6.99%	Up to 60 Months Up to 72 Months Up to 80 Months ($30,000 +)

Pre-Approval will allow an additional 1/4% off current rate unless otherwise specified. Rebates can be used toward tax/title/processing fees. Demonstrator vehicles with 5000 miles or less, will be financed as a new vehicle Campers, Motor Homes & Boats, have special financing, call for more information.

Motorcycles APR
New	Financed same as autos		add 2% to rate
Used	Financed same as autos		add 2% to rate

Used Car Loans APR
2012 - 2011	up to 77 Months	4.00% - 13.00%
2010 - 2008	up to 66 Months	5.00% - 14.00%
2007-2005	up to 53 Months	6.00% - 15.00%
Special financing for cars 2004-2001. Call for information 388-3834. Now is the time to save yourself some money! Do you have a vehicle financed somewhere other than at Prime Care? We will refinance it and drop your rate by 1.50% (Not to drop below 3.00%) New policies to extend the terms of financing

Signature Loans APR

1 - 12 Months

5.00% - 13.65%

No new loans will be issued at a variable rate unless its an open end loan.

13 - 24 Months

6.00% - 14.65%

25 - 36 Months

7.00% - 15.65%

37 - 48 Months

8.00% - 16.65%

Open End Loan Rate 6.25% (Rate good thru 3-15-12)

Visa Credit Card Rate 9.99% - 16.99% (Beacon score determines rate)

Platinum Visa Credit Card 7.49% Solid Rate (Includes balance transfers)

Visa rates may change to a default rate in the event of delinquency, see VISA disclosure.

Regular Loanliner Variable Rate Loans are at Wall Street Journal Prime + 3%
Rate adjusts quarterly & changes on the first day of April, July, October, & January
Payments @ $16.00 per $500.00 owed/never less than $20.00 per month

Maximum Signtaure Loan amount is $7,500 not to exceed 20% of your Gross Annual Income (i.e, gross annual income is $50,000. 20% of that is $10,000. The most we could lend would be up to $7500, which is our maximum signature loan limit)
Maximum Loan for any member is $500,000.00 (Mortgage included)
Home Equity Loans - Call the credit union for the current rate
Speak to Robin or Terry for quote (757-388-3834)

Robin is unavailable daily from 10:00 AM to 12:00 PM

Have questions? E-mail Robin, one of our loan officers.

When you are looking to buy a car, check us out before

signing the dotted line with the dealers. Let us try

and help get you a better deal!!!!

Get pre-approved and save an additional

1/4% off

your interest rate.

ONLINE LOAN APPLICATION

See what your vehicle is worth

Click Here for our online Loan Calculator

Fee Schedule & Service Charges

Membership Fees	$5.00
Rejoining Fees (90 Day Waiting Period) Closing Fee within 90 days	$10.00 $10.00
Multi Check Withdrawal	$2.50 each
Stop Payment Credit Union Check	$35.00
Return Deposited Item	$30.00
Return Mail Fee Per Month	$5.00
Copy Statement Per Page	$2.50
Outgoing Wire Transfer Incoming Wire Now $2.00 (1-1-11)	$10.00
Below Minimum Balance Per Month	$10.00
Loan Application Processing Fee	$10.00
Account Verification (Mortgages)	$15.00
Garnishment Fee (Incoming)	$40.00
Non-Sufficient Funds Fee (ATM, VISA Debit, Drafts & Checks)	$30.00
Certified Draft/Check	$5.00
Share Draft Stop Payment	$30.00
ACH Return Fee (NSF)	$30.00
ACH Stop Payment Fee	$30.00
Copy of Draft/Check (Personal Checking)	$10.00
Money Orders	$1.50 each
Non-member PCCU Checks Cashed	$5.00 each
IRA Transfer Fee Close IRA IRA Set-up Fax Fee (per page)	$35.00 $25.00 $5.00 $1.00
Reset Home Banking (1 free annually)	$5.00

Reconcile Accounts (Per Hour)	$20.00
Inactive Account Fee (Per Monthr)	$10.00
ATM/VISA Debit Card Fee (Lost or Stolen)	$10.00
ATM/VISA Debit Transfer Fee Per Transaction	$2.00
ATM/VISA Debit Balance Inquiry	$1.00
ATM Transaction Fee Excludes Credit Union 24/CU Here	$3.00
ATM/VISA Debit Hot Card Fee (Accounts closed without returning cards)	$20.00
Close Christmas Club Early	$5.00
Christmas Club Withdrawal (Each Occurrence)	$5.00
Draft Printing	Varies
Overdrawn Account Fee (Per Week)	$10.00
Credit Union Service Center ATM's Withdrawals are Free (Balance Inquiries & Transfer Fees Will Apply)
Share Draft Manual Transfer Fee	$30.00
Share Draft Annual Fee Annual Fee deducted from checking 1-31st each year. Accounts opened after 1-31st will be charged up front @ time opened based on months left in the year. ($1 per month) This is non-refundable	$10.00
Void Credit Union check	$5.00
Visa Chargeback	$15.00
ATM/VISA Debit pin Replaced/Card Renew/PIN Change	$5.00
ATM/VISA sales draft copy each item	$3.50

International wire fees will vary.

info@primecarecu.org
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