Rates

Subaccount Name	Approximate Term	Account Opening Disclosure		Daily Periodic Rate
		Interest Rate and Interest Charges
		Annual Percentage Rate (APR)
Share Secured			3.50%	0.0096%
Certificate Secured			3.50%	0.0096%
New Vehicle	48 Months		3.99%	0.0109%
New Vehicle	60 Months		4.49%	0.0123%
New Vehicle (25,000 Minimum)	72 Months		4.99%	0.0137%
Used Vehicle	48 Months		4.49%	0.0123%
Used Vehicle	60 Months		4.99%	0.0137%
New Recreation Vehicle	48 Months		3.99%	0.0109%
New Recreation Vehicle	60 Months		4.49%	0.0123%
New Recreation Vehicle	72 Months		4.99%	0.0137%

Used Recreation Vehicle	60 Months		5.49%	0.01504%
Misc Secured/Older Vehicles 2002 and older	36 Months		7.50%	0.0205%
Personal			9.00%	0.0247%
Line of Credit			12.00%	0.0329%
Single Pay			12.00%	0.0329%

How We Will Calculate Your Balance: We will use a balance computation method called daily balance. See your account Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.

Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney’s fees.

For the Line of Credit: Your minimum payment will never be less than $50.00 and will be deducted automatically from your checking account on the 20^th day of each month. Advances will be granted in increments of $100.00.

Certificate Secured: The Annual Percentage Rate (APR) for Certificate Secured advances will be the dividend rate being paid on the Certificate being offered as security plus 2%. The APR will never be less than 3.50%. The length of the advance cannot be greater than the term of the Certificate.

Savings and IRA Rates The following savings APYs are for the quarter ending June 30, 2010. Rates are subject to change. Minimum balance to earn stated APY for Share Savings is $50.
Savings	.15% Dividend Rate	.15% Annual Percentage Yield
IRA*	.15% Dividend Rate	.15% Annual Percentage Yield
*A fee may be imposed for early IRA closure. Refer to fee schedule.
Term Share Certificates Certificates are available with a $1,000 minimum balance in the following terms:
6 Month	.25% Dividend Rate	.25% Annual Percentage Yield*
12 Month	.50% Dividend Rate	.50% Annual Percentage Yield*

*Term share certificate APYs are effective as of 7/21/2010 and may be adjusted weekly. Contact PSCU at 952-927-8928
with any questions regarding fees or penalties for early withdrawal.

The Annual Percentage Rates, corresponding daily periodic rates and amount and due date of payments for each loan subaccount are shown below. If there is no payment schedule, the amount and due date of payments will be determined at the time of each advance and disclosed on the Advance Request Voucher. Other charges that may be imposed are also shown above (i.e., late charges, filing fees, collection costs, etc).

Maintenance and activity fees may reduce the earnings on the share savings account. For more information on fees, refer to Fee Schedule.

FILING FEES: You will be charged a filing fee at the time of an advance if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain a lien on your property. The amount of the filing fee will be disclosed on the voucher.

COLLECTION COSTS: You agree to pay all costs of collection of the amount you owe under any agreement including court costs and reasonable attorney fees.

This agreement is amended to read as follows: The Credit Union waives any right it may have to offset your Shares as described in the “Security Interest” paragraph in the LOANLINER Open-end Credit Agreement. Instead, you grant us a consensual security interest in all individual and joint accounts you have with the Credit Union now and in the future to secure all advances. Shares and Deposits in an Individual Retirement Account and any other account that would lose special tax treatment under state or federal law if given as security are not subject to the security interest you have given in you Shares and Deposits.

Share Savings accounts require a $50 dollar balance to earn the Annual Percentage Yield.

Advance Prepayments: Any payments made, in any amount, in addition to the regular payments paid, will advance the subaccount payment due date. Additional payments will advance the due date in accordance with the payment amount and frequency disclosed on the advance voucher. Additional payments made over and above the regular payments may allow the member to skip payments in the future (if desired) until the subaccount payment due date is reached. Interest will continue to accrue on outstanding balances during such periods where payments are not made.

External links provided on this web site are for informational purposes only. By linking, you will be leaving PSCU’s web site and going to a site not maintained by PSCU. Consequently, PSCU cannot be responsible for the content of alternate sites and cannot represent you or the third party if you enter into a transaction. Privacy and security policies of such sites may differ from those practiced by PSCU.