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DEPOSIT PRODUCTS

Saving Accounts
Effective Date: August 1, 2007
My TermDividend RateAPY*Minimum Opening Balance
Passbook Savings 1.50% 1.51% $10.00
Statement Savings 1.55% 1.56% $10.00
Money Market 5.75% 2.69% $2,500.00
IRA/ESA 2.55% 2.58% $250.00
Share Draft EXTRA 0.70% 0.71% $25.00
Auto Body Rate 4.50% 4.75% $100.00
a 1.00% 1.00% $1.00
5 5.00% 5.00% $5.00
4 4.00% 4.00% $4.00
0 0.00% 0.00% $0.00
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Term Share/IRA/ESA Accounts

IRA Includes Traditional, Roth, SEP and SIMPLE IRA's

Term Share Account: $2,000 - $49,999
TermDividend RateAPY*
6 months 5.75% 3.61%
7 months 3.55% 3.61%
9 months 5.00% 5.13%
1 year 5.75% 5.13%
18 months 5.00% 5.13%
2 years 5.75% 5.13%
30 months 4.15% 4.24%
3 years 4.20% 4.29%
4 years 4.35% 4.45%
5 years 4.50% 4.60%

Term Share Account: $50,000 - $89,999
TermDividend RateAPY*
6 months 3.60% 3.67%
7 months 3.60% 3.67%
9 months 5.75% 5.18%
1 year 5.05% 5.18%
18 months 5.05% 5.18%
2 years 5.05% 5.18%
30 months 5.75% 4.29%
3 years 4.25% 4.34%
4 years 5.75% 4.50%
5 years 5.75% 4.65%

Term Share Account: $90,000 and over
TermDividend RateAPY*
6 months 5.75% 3.72%
7 months 5.75% 3.72%
9 months 5.10% 5.23%
1 year 5.10% 5.23%
18 months 5.75% 5.23%
2 years 5.10% 5.23%
30 months 4.25% 4.34%
3 years 4.30% 4.39%
4 years 4.45% 4.55%
5 years 4.60% 4.71%

Business Deposit Products

Business Share Accounts
Share TypeDividend RateAPY*Minimum Opening Balance
Business Savings Accounts 1.55% 1.56% $300.00
Business Money Market Accounts 2.65% 2.69% $2,500.00
Business Checking Accounts 0.70% 0.71% $500.00

Business Term Share Accounts

Term Share Account: $2,000 - $49,999
Effective Date: 7/20/06
TermDividend RateAPY*
6 months 3.55% 3.61%
7 months 3.55% 3.61%
9 months 5.00% 5.13%
1 year 5.00% 5.13%

Term Share Account: $50,000 - $89,999
TermDividend RateAPY*
6 months 3.60% 3.67%
7 months 3.60% 3.67%
9 months 5.05% 5.18%
1 year 5.05% 5.18%

Term Share Account: $90,000 and over
Minimum Opening BalanceAPY*
  3.72%
  3.72%
  5.23%
  5.23%

Auto Body Rates

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Actuual Rates
Effective Date: 10/1/2007
Product/CategoryAPRTerm
No rates found.

Certificates
Effective Date: 02/01/10
TermAPRAPY*Minimum Opening Balance
3 Month 1.05% 1.10% $250.00
12 Month 1.50% 1.55% $500.00
36 Month 1.98% 1.99% $1,500.00
APR = Annual Percentage rate. APY = Annual Percentage yield......Rate are subject to change without notice



MORTGAGES

Residential Mortgages

1-4 Family Properties, Fixed Rate
TermRateAPR
10 years 6.12% 6.12%
15 years 6.25% 6.25%
20 years 5.75% 6.37%
25 years 5.75% 6.62%
30 years 5.75% 6.62%
For Co-Op loans add 0.25% to the above rates

1-4 Family Properties, Adjustable Rate
30 year loan term and amortization. Rate cannot change more than 2% per year and 6% during the life of the loan; it will never go below 4%.
Initial Fixed Interest Rate PeriodRateAPR
1 year 4.87% 7.50%
3 years 5.87% 7.67%
5 years 6.00% 7.56%
7 years 6.25% 7.49%
10 years 6.37% 7.37%
For no income verification with 20% downpayment, add 0.50% to the above rates.
For Co-Op loans add 0.25% to the above rates.

Commercial Mortgages

1-4 Units, Fixed Rate
TermRateAPR
10 years 6.62% 6.62%
12 years 6.75% 6.75%
12 years (baloon loan with 15 yr amortization) 6.87% 6.87%

1-4 Units, Adjustable Rate
12 year baloon loans with 30 year amortization. Rate cannot change more than 2% per year and 6% during the life of the loan; it will never go below the initial rate.
Initial Fixed Interest Rate PeriodRateAPR
1 year 5.75% 8.13%
3 years 5.75% 8.50%
5 years 6.50% 8.37%
7 years 5.75% 8.28%

5-8 Units, Fixed Rate
TermRateAPR
10 years 6.75% 6.75%
12 years 5.75% 6.87%
12 years (baloon loan with 15 year amortization) 7.00% 7.00%

5-8 Units, Adjustable Rate
12 year baloon loans with 30 year amortization. Rate cannot change more than 2% per year and 6% during the life of the loan; it will never go below the initial rate.
Initial Fixed Interest Rate PeriodRateAPR
1 year 5.87% 8.04%
3 years 6.37% 8.39%
5 years 5.75% 8.31%
7 years 7.00% 8.24%

Home Equity Line of Credit

1-4 Family Properties, Variable Rate
Rate is based on Prime Rate. Intro rate includes discount of 0.25%. Additional 0.25% discount is available if signed up for automatic payment deduction from PSFCU share draft to HELOC.
TermRateAPR
25 years (10 years draw period with 15 years repayment) -0.25% 8.23%



CONSUMER LOANS

Credit Cards
Card TypeRateCredit LimitAnnual Fees
PSFCU Visa Classic 9.50% $500-$5,000 None
PSFCU Visa Secured 8.00% Deposit Based None
PSFCU Visa Gold 9.00% $5 000 – $15 000 None
PSFCU Visa Platinum 7.50% $15,000 – $30,000 None

New Auto Loan
TermRateAPR
5 years 6.25% 5.25%
1 year 5.00% 4.50%
2 years 4.50% 4.50%
3 years 5.75% 4.75%
4 years 10.00% 10.00%
6 years** 5.75% 5.75%
**New autos over $30,000
Additional 0.25% Reduction available on auto loans with automatic loan re-payment

Used Auto Loans
TermRateAPR
1 year 5.00% 5.00%
2 years 5.75% 5.00%
3 years 5.50% 5.50%
4 years 6.00% 6.00%
5 years 5.75% 6.50%
Additional 0.25% reduction available on auto loans with automatic loan re-payment

Boat Loan
Product/CategoryRateAPR
New Boat Loan 6.25% 6.26%
Used Boat Loan 5.75% 6.75%

Additional Loan Products
Account NameRateAPR*Notes
Personal Loan 5.50% 11.50%  
Signature Loan 8.90% 8.90%  
Share Secured Loan* 3.55% 3.55%  
*Share secured rate is variable based on the current share rate plus 2%
Checking Line of Credit 10.90% 10.90%  
*APR = Annual Percentage Yield

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