Park Community Federal Credit Union

Mortgage	Features	Term	APR
1st Mortgage	Click here to see the rates	--	--
2nd Mortgage/ Home Equity	LTV up to 80%. Please contact us for additional rates and terms.Click here to see the rates.	--	--


Models/Year	Features	Term	APR
Cars/Trucks/Vans
2007-2008	Up to 100% Retail Value	24 months	5.24%^*1
	- -	36 months	5.24%
	- -	48 months	5.24%
	- -	60 months	5.24%
	- -	66 months	5.49%
	²Valued at $15,000 or more and 20,000 miles or less	72 months	5.99%^*2
	³New, untitled vehicles valued $30,000 or more	84 months	6.49%^*3
	Above rate includes 1/4% rate reduction for automatic transfer from a qualified Park Community account.
2001-2006	Up to 100% NADA Retail Value
	- -	36 months*	5.74%
	- -	48 months*	5.74%
	- -	60 months*	5.74%
	⁴For 05-06 vehicles under 40,000 miles	66 months*	6.24%^*4
	Max. term: 06-05 models -- 66 mo. 04-03 models -- 48 mo. 02-01 models -- 36 mo. Terms based upon vehicle age, mileage, & condition at loan officer's discretion. Above rate includes 1/4% rate reduction for auto transfer from PCFCU acc.

1   24 monthly payments of $44.55 per $1,000 borrowed.
2   Valued at $15,000 or more and has 20,000 miles or less.
3   New, untitled vehicles valued $30,000 or more.
4   To qualify for 66 months for a 05-06 model only, vehicle must have 40,000 miles or less.

Member will receive a discount on the Annual Percentage Rate (APR) with one of the following:

i. Discount of 0.25% on the APR if member elects to have loan payment set up on automatic transfer, payroll deduction, ACH or direct deposit.

ii. Discount of 0.50% on the APR if member elects credit life and credit disability insurance on loan and either opens a checking account with direct deposit or elects to have loan payment set up on automatic transfer, payroll deduction or direct deposit.

The maximum discount a member may receive on his/her APR is 0.50%.

Models/Year

Features

Term

APR

(Motor Homes,
Campers, & Boats)

2007-2008

Up to 100% Retail Value

$2,500 - $5,000

$5,001 - $9,999

$10,000 and up

60 months

120 months

144 months

7.24%

Above rate includes a 1/4% rate reduction
for automatic transfer from a qualified
Park Community account.

2001-2006

Up to 100% Retail Value

$2,500 - $5,000

$5,001 - $9,999

$10,000 and up

60 months

120 months

144 months

7.74%

Above rate includes a 1/4% rate reduction
for automatic transfer from a qualified
PCFCU account.

Models/Year

Features

Term

APR

2007-2008

Up to 100% NADA Value

84 month term is for new, untitled units
valued at $18,000 or greater

60 months

72 months

84 months

5.49%

6.74%

7.24%^*5

Above rate includes a 1/4% rate reduction
for automatic transfer from a qualified
Park Community account.

2001-2006

Up to 100% NADA Value

66 month term is for 2005-2006 models only
with less than 20,000 miles

60 months

66 months

6.49%

6.99%^*6

Above rate includes a 1/4% rate reduction
for automatic transfer from a qualified
Park Community account.

5 84 month term is for new, untitled units valued at $18,000 or greater.
6 66 month term is for 2005-2006 models only with less than 20,000 miles.

Member will receive a discount on the Annual Percentage Rate (APR) with one of the following:

i. Discount of 0.25% on the APR if member elects to have loan payment set up on automatic transfer, payroll deduction, ACH or direct deposit.

ii. Discount of 0.50% on the APR if member elects credit life and credit disability insurance on loan and either opens a checking account with direct deposit or elects to have loan payment set up on automatic transfer, payroll deduction or direct deposit.

The maximum discount a member may receive on his/her APR is 0.50%.

Unsecured

Features

Term

APR

Vacation

--

12 onths

11.24 -18.00%

Unsecured

11.24 -18.00%

Share-Secured

--

144 months

4.50%

CD-Secured

2.0% above the rate paid or 4.50%,
whichever is greater.

Rate Varies

Credit Builder

12 months

11.24%

Fresh Start

--

12 months

11.24%-18.00%

Others

Features

Term

APR

Horse Trailers

2007-2008

Under $10,000 (loan amount)

$10,000 and up (loan amount)

120 months

144 months

9.74%

8.74%

Rates are shown with a .25% discount for
automatic payments.

2001-2006

Under $10,000 (loan amount)

$10,000 and up (loan amount)

120 months

144 months

10.24%

9.24%

Rates are shown with a .25% discount for
automatic payments.

New GE Appliances

Up to 100% Purchase Price + Taxes

36 months

8.40%

Other Collateral &
Farm Machinery

--

36 months

9.74%

Above rate includes 1/4% rate reduction
for automatic transfer from a qualified
PCFCU account.