Rates at Prime Care Credit Union

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

Share Certificates Effective 3-12-10
Months	Annual Percentage Rate	Yield
6	.85%	.86%
12 24	1.00% 1.05%	1.01% 1.06%

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

Loan Rates Effective 01-01-09
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 3% above certificate rate.

New Car Loan Rates APR
Finance 100% MSRP	4.79% - 11.79%	Up to 36 Months
(Never been titled)	5.09% - 12.09%	Up to 48 Months
	5.39% - 12.39% 5.79% - 8.79% 5.99% - 6.99%	Up to 60 Months Up to 72 Months ($20,000 - $39,999) Up to 80 Months ($40,000 +)

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 Boat, boat trailers, jet skis, mobile homes, and campers will be financed at 1.00% above the current car loan rates, new or used.

Motorcycles APR
New	90% of Sales Price	13.50% - 16.50%	Up to 48 Months
Used	90% of Retail Value	15.00% - 18.00%	Up to 42 Months

Used Car Loans APR
2010 - 2007	up to 60 Months	6.00% - 13.00%
2003 - 2006	up to 48 Months	7.00% - 14.00%

Vehicles valued at $10,000.00+ may be subject to special financing if member qualifies. (Vehicles can't be older than 4 years) There will be 1/2% Increase in the current rate. See new policies to extend the terms of financing

Signature Loans APR

1 - 12 Months

8.65% - 15.65%

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

13 - 24 Months

9.65% - 16.65%

25 - 36 Months

10.65% - 17.65%

37 - 48 Months

11.65% - 18.65%

Open End Loan Rate 6.25% (rate good thru 6-30-10)

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)

Variable Rate Loan

Have questions? Email Robin, one of our loan officers.

Looking for 1st mortgage information? Visit our mortgage webcenter for all of your first mortgage needs.

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	$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	$1.00
ATM/VISA Debit Balance Inquiry	$1.00
ATM Transaction Fee Excludes Credit Union 24/CU Here	$2.00
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

info@primecarecu.org
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