Patriot Federal Credit Union

Great Consumer Loan Rates

Annual Percentage Rate	Terms	Other
As Low As 1.69%	Flexible Terms Available.	For example: For a $10,000 loan, your monthly payment will be $841.00 for 12 months at 1.69%. 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
Current dividend rate on regular shares + 4.00%.	Flexible Terms Available

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Certificate Secured

Annual Percentage Rate	Terms
Certificate rate + 3.00%.	Flexible Terms Available

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Signature Loan

Annual Percentage Rate	Terms	Other
As Low As 7.99%	Flexible Terms Available	For example: For a $2,500 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 9.49%	Flexible Terms Available	For example: For a $5,000 loan, your monthly payment will be $160.00 for 36 months at 9.49%. Your actual rate is based upon your credit history and current credit report.

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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 Loan, 60 - 84 Months

Annual Percentage Rate	Other
As Low As 2.99%	80% 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 $359.00 for 60 months at 2.99%

Closed End Home Equity Loan, 85 - 120 Months

Annual Percentage Rate	Other
As Low As 3.99%	80% 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 Loan, 121 - 180 Months

Annual Percentage Rate	Other
As Low As 3.99%	80% financing
	Other rates and terms available Maryland (MD) Recordation Tax
	Washington County - $7.60 per $1,000
	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 $148.00 for 180 months at 4.15%

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Home Equity Line of Credit

Annual Percentage Rate	Other
Floor Rate As Low As 3.97%	80% 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 April 1, 2013 - 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 $1,000
	Frederick County - $5.00 per $500 Fees to open this plan can range from $191.00 - $470.50. Property insurance is required.