Great Consumer Loan Rates

All Loan rates effective as of 06/26/08.
All stated rates are subject to change at any time.

Current Rates

Vehicle Loans, Motorcycles, Campers, RV's & Boats

Rate Terms Other
As Low As 5.00% Flexible Terms Available For example: For a $25,000 loan, your monthly payment will be $478.00 for 60 months at 5.50%.
Up to 100% Financing
Your actual rate is based upon your credit history and current creidt 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.

Mobile Homes

Annual Yield Terms Other
As Low As 7.50% Flexible Terms Available Your actual rate is based upon your credit history and current credit report.

Signature/Kwik-er Line of Credit

Annual Yield Terms Other
As Low As 9.35% Flexible Terms Available For example: For a $20,000 Signature Loan, your monthly payment will be $449.27 for 60 months at 9.35%.
For example: For a $20,000 Kwik-er Line of Credit your monthly payment will be $500. ($12.50/$500.00 advance)
Your actual rate is based upon your credit history and current credit report.

VISA ® Credit Card

Terms Other
Platinum For information about the rates, fees, features, and benefits associated with the use of the Patriot Federal Credit Union Platinum Plus credit card, refer to the disclosures accompanying the online credit application.
Preferred For information about the rates, fees, features, and benefits associated with the use of the Patriot Federal Credit Union Preferred credit card, refer to the disclosures accompanying the online credit application.

Share Loans - Share Secured Variable Rate

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

Certificate Secured

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

First Mortgages

Annual Yield Terms Other
1 year ARM +1.00% Construction - 1 year We offer the following first mortgage real estate loans:
- Fixed Rate Mortgages
- Adjustable Rate Mortgages
- VA Mortgages
- Construction Loans
- Unimproved Real Estate
- FHA Mortgages

Unimproved Real Estate Loans

Annual Yield Terms Other
9.25% Up to 120 Months Up to 95% of Property Value.
For example: For a $40,000 loan, your monthly payment will be $649.00 for 84 months at 9.25%.
Application Fee - $100
Appraisal Fee - $150 - $250 (based upon county)

Closed End Home Equity

Annual Yield Other
As Low As 5.45% 80% financing
As Low As 6.45% 90% financing
As Low As 7.45% 100% financing
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)

Home Equity Line of Credit

Annual Yield Other
5.00 80% financing
5.75 90% financing
6.75 100% financing
*Interest only option available.
Rate: Monthly variable; index is the Prime Rate as reported in the Wall Street Journal on the last Friday of each month.
Amount Financed: Up to 100% LTV without PMI. Payments are monthly and due on the 15th of each month.
Prime rate as of Thursday, July 3, 2008 5.00%
Maximum APR Rate 18% APR
Minimum APR Rate 4% 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.

NCUA Insured Equal Housing Lender NCUA Insured, Equal Opportunities Lender America's Credit Union