Rates - People's Choice Federal Credit Union

Our rates are as follows:

New cars up to 6 years		4.90%
Used cars 1 - 3 years		5.90%
Used cars 3+ to 5 years		7.90%
over 5 years		10.90%
Personal/Non-collateral		12.50%
Secured		4.90%
Home Equity Rates: (Closing costs are generally less than $600)
	5 Years	5.65%
	10 Years	5.70%
	15 Years	5.75%

PEOPLE’S CHOICE FEDERAL CREDIT UNION ’11 SPRING SPECIAL
BEGINS: APRIL 1, 2011 ENDS: MAY 31, 2011 UP TO $5000 8.9% 36 MONTHS PAYMENT EXAMPLE FOR $5000 WITH CREDIT DISABILITY INS. : $167.21/MO WITHOUT: $158.91/MO

Note: This “Spring Special” is not a refinancing option on any other loan and is subject to Credit Committee approval. Previous “Spring Specials” must be paid in full. Pay off those Christmas credit card balances!

April 2011 SHARE CERTIFICATE RATES
FEATURES: 0.50% 0.50% APY 6 MONTH TERM $1000 MINIMUM APRIL 1-15, 2011	FEATURES: 0.75% 0.75% APY 12 MONTH TERM $1000 MINIMUM APRIL 1-15, 2011

CERTIFICATE RATES ARE FOR MONIES NOT CURRENTLY ON DEPOSIT AT PCFCU	PLEASE CALL THE CREDIT UNION OFFICE FOR AN APPOINTMENT!
(570) 451-3318

We also offer VISA Credit Cards @ 9.9 APY 12.9% Cash Advance/Balance Transfers

We offer a VISA CuCHECK CARD (ATM/DEBIT) on our Share Draft (CHECKING) Accounts

PLEASE WATCH BULLETIN BOARDS AND NEWSLETTER FOR ANY CURRENTLY ADVERTISED SPECIALS!!!!!!!!!!!!!!!!!!

Our share dividends for the 1st quarter ending 03/31/11 :	APY	YIELD
Savings $50.00 - $25,000.00	.35%	.35%
Clubs To $25,000.00	.35%	.35%
Clubs & Savings $25,000.01+	.60%	.60%

All rates are subject to change without notice. Call the Credit Union for current rates.

FEE SCHEDULE

CREDIT UNION MEMBERSHIP
Membership Share:	$5.00 par value
Membership Fee:	$1.00
CLOSED ACCOUNT
No Activity for 1 year Fee	$5.00
DORMANT ACCOUNT FEE
Monthly fee after 1 year of no activity	$5.00
LOANS
Loan Application Fee: Due at the time of application	$5.00
Share Draft Accounts (checking)
NSF (Non-Sufficient Fund) Fee	$20.00
Unpaid Overdrafts	$20.00
Stop Payment	$10.00
Copy of check	$5.00
Involuntary Closing Cost if unused drafts not returned	$50.00
Statement Reproduction	$4.00
Assistance in Balancing Account by staff	$20.00 per hr.
ACH NSF FEE
Overdraft Fee	$20.00
Stop Payment	$10.00
VISA CuCHECK CARD
NSF (Non-Sufficient Fund) Fee	$20.00
Extra, Lost, Stolen Card	$5.00
Documentation fee	$10.00
Card Recovery Fee	$65.00
Excess of 6 ATM withdrawals per month	$1.00 ea.
VISA CREDIT CARD
ATM Cash Advance Fee	$1.00
Over Credit Limit Fee	$20.00
Late Charge (5 days after closing)	$20.00
Balance Transfer Fee	$1.00
WIRE TRANSFERS
Domestic Outgoing	$12.00
CHRISTMAS CLUBS
Early Withdrawal Fee	$5.00 ea.
STATEMENT COPY
Previous months	$2.00