Patriot Federal Credit Union

Great Consumer Loan Rates

Annual Percentage Rate	Terms	Other
As Low As 1.85%	Flexible Terms Available.	For example: For a $10,000 loan, your monthly payment will be $181.00 for 60 months at 3.40%. Up to 100% Financing Your actual rate is based upon your credit history and current credit report. 100% financing means LTV (loan to value) is equal to 100% of value (NADA or MSRP) of vehicle. PFCU has programs available for 100% of MSRP or NADA plus tax, tags, warranty and gap for qualified members.

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Share Loans - Share Secured Variable Rate

Annual Percentage Rate	Terms	Other
Current dividend rate on regular shares + 4.00%.	Flexible Terms Available	Subject to change quarterly.

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Certificate Secured

Annual Percentage Rate	Terms	Other
Certificate rate + 3.00%.	Flexible Terms Available	Rate subject to change upon Share Certificate renewal.

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Signature Loan

Annual Percentage Rate	Terms	Other
As Low As 7.99%	Flexible Terms Available	For example: For a $2500 loan, your monthly payment will be $78.00 for 36 months at 7.99%. Your actual rate is based upon your credit history and current credit report.

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Debt Consolidation Signature Loan

Annual Percentage Rate	Terms	Other
As Low As 8.99%	Flexible Terms Available	For example: For a $5000 loan, your monthly payment will be $159.00 for 36 months at 8.99%. Your actual rate is based upon your credit history and current credit report.

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First Mortgages

Annual Percentage Rate	Terms	Other
As Low As 3.79% 1 year ARM +1.00%*	We offer the following first mortgage real estate loans: Fixed Rate Mortgages- As Low As 3.79% APR Adjustable Rate Mortgages*

*APR may increase within a year. See a Mortgage Officer for details.
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Unimproved Real Estate Loans

Annual Percentage Rate	Terms	Other
9.25%	Flexible Terms Available	Purchase Money Up to 70% of Property Value. Up to 50% Rural Property Value. For example: For a $40,000 loan, your monthly payment will be $649.00 for 84 months at 9.25%.
		Appraisal Fee - $150 - $250 (based upon county)

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Closed End Home Equity Up 60 - 84 Months

Annual Percentage Rate	Other
As Low As 3.17%	75% financing
	Other rates and terms available Maryland (MD) Recordation Tax
	Washington County - $7.60 per $1000
	Frederick County - $5.00 per $500
	Recording Fee - $75
	Appraisal - $90-$275 (based upon county)
	Recording Fee - $15.50 - $29 (based upon county)
	Flood Certification Fee - $14.00
	Lien Search - $20 - $70 (based upon county)
	For example: $20,000 loan, monthly payment will be $361.00 for 60 months at 3.17%

Closed End Home Equity Up to 85 - 120 Months

Annual Percentage Rate	Other
As Low As 3.99%	75% financing
	Other rates and terms available Maryland (MD) Recordation Tax
	Washington County - $7.60 per $1000
	Frederick County - $5.00 per $500
	Recording Fee - $75
	Appraisal - $90 - $275 (based upon county)
	Recording Fee - $15.50 - $29 (based upon county)
	Flood Certification Fee - $14.00
	Lien Search - $20 - $70 (based upon county)
	For example: $20,000 loan, monthly payment will be $202.00 for 120 months at 3.99%

Closed End Home Equity Up to 121 - 180 Months

Annual Percentage Rate	Other
As Low As 4.16%	75% financing
	Other rates and terms available Maryland (MD) Recordation Tax
	Washington County - $7.60 per $1000
	Frederick County - $5.00 per $500
	Recording Fee - $75
	Appraisal - $90 - $275 (based upon county)
	Recording Fee - $15.50 - $29 (based upon county)
	Flood Certification Fee - $14.00
	Lien Search - $20 - $70 (based upon county)
	For example: $20,000 loan, monthly payment will be $150.00 for 180 months at 4.16%

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Home Equity Line of Credit

Annual Percentage Rate	Other
Floor Rate As Low As 3.97%	75% financing
	Rate: Monthly variable; index is the Prime Rate as reported in the Wall Street Journal on the last Friday of each month.
	Payments are monthly and due on the 26th of each month. Prime rate as of February 1, 2012 - 3.25%
	Maximum APR Rate 18% APR
	Minimum APR Rate 3.97% APR Loans originating from Washington County, MD and Frederick County, MD have an additional recordation fee.
	Excluding recordation tax.
	Washington County - $7.60 per $1000
	Frederick County - $5.00 per $500 Fees to open this plan can range from $191.00 - $470.50. Property insurance is required.