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| POCU Current Loan Rates |
EFFECTIVE:
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AUTO & TRUCK LOANS

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NEW, NEWER & WE'LL REFINANCE OTHER FINANCIAL INSTITUTION LOANS!
(Maximum loan 100% of purchase price, plus tax, title & license fees)
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MODEL YEAR
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TERM
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APR AS LOW AS*
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MONTHLY PAYMENT**
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2006-2008
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60 months
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4.99%
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18.87
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2006-2008
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72 months
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5.50%
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16.34
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2006-2008
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84 months
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6.25%
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14.73
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*APR is the annual percentage rate.
USED AUTO & TRUCK LOANS

(Maximum loan is based on N.A.D.A. retail book/value price.)
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MODEL YEAR
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TERM
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APR AS LOW AS*
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MONTHLY PAYMENT**
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2004-2007
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36 months
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5.25%
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30.08
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2004-2007
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48 months
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5.25%
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23.14
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2004-2007
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60 months
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5.50%
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19.10
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2004-2007
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72 months
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6.00%
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16.47
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2001-2003
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24-48 months
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6.25%
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2001-2003
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60 months
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6.50%
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19.59
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2000-older
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up to 48 mo
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7.75%
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*APR is the annual percentage rate.
TRAVEL TRAILER, MOTOR HOME, TENT TRAILER

(Maximum loan 100% of N.A.D.A. retail book/value price.)
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MODEL YEAR
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TERM
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APR AS LOW AS*
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MONTHLY PAYMENT**
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New & Used
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36 months
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6.00%
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30.42
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New & Used
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48 months
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6.50%
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23.71
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New & Used
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60 months
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7.00%
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19.80
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New & Used
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72 months
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7.50%
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17.29
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New & Used
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84 months
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8.00%
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15.59
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Over 30,000
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120 months
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9.00%
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12.67
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Over 30,000
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180 months
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9.25%
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10.29
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*APR is the annual percentage rate.
BOAT LOANS

(Maximum loan is based on N.A.D.A. retail book/value price.)
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MODEL YEAR
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TERM
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APR AS LOW AS*
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MONTHLY PAYMENT**
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New & Used
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36 months
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5.50%
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30.20
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New & Used
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48 months
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5.50%
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23.26
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New & Used
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60 months
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5.50%
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19.10
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New & Used
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72 months
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6.00%
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16.57
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New & Used
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84 months
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7.00%
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15.09
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Over $30,000
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120 months
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8.00%
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12.13
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Over $30,000
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180 months
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8.50%
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9.85
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*APR is the annual percentage rate.
MOTORCYCLE LOANS

(Maximum loan is based on N.A.D.A. retail book/value price.)
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MODEL YEAR
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TERM
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APR AS LOW AS*
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MONTHLY PAYMENT**
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2003-2008
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24 months
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5.50%
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44.10
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2003-2008
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36 months
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5.50%
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30.20
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2003-2008
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48 months
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5.50%
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23.26
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2003-2008
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60 months
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5.75%
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19.22
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2003-2008
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72 months
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6.50%
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16.81
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1998-2002
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24-72 months
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7.00%
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1997 and older
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24-60 months
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7.50%
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PLAYING FOR FUN LOANS: Snowmobiles, Jet skis, ATVs

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(Maximum loan is based on N.A.D.A. retail book/value price.)
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MODEL YEAR
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TERM
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APR AS LOW AS*
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MONTHLY PAYMENT**
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New & Used
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36 months
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5.50%
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30.20
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New & Used
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48 months
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5.50%
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23.26
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New & Used
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60 months
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5.75%
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19.22
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New & Used
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72 months
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6.50%
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16.81
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*APR is the annual percentage rate.
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PERSONAL - JUST SIGN!

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AMOUNT
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TERM
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APR AS LOW AS*
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MONTHLY PAYMENT**
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$10,000
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12 months
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9.90%
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87.87
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$10,000
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24-36 months
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9.90%
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32.22
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$10,000
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48 months
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9.90%
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25.31
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*APR is the annual percentage rate.
SHARE SECURED

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AMOUNT
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Annual Percentage Rate
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Up to 100% in Savings
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Share Savings rate +2.50%
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CERTIFICATE SECURED
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AMOUNT
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Annual Percentage Rate
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Up to 100% in Certificate
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Current CD rate +2.50%
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OVERDRAFT PROTECTION

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AMOUNT
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TERM
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MONTHLY PAYMENT**
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Up to $5,000
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Open
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MORTGAGES AND REFINANCING OPTIONS
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Are you interested in buying a home with no money down without the expense of PMI?
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Do you want to save money by lowering your current mortgage rate?
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Do you want to own a home, but your less-than-perfect credit history is holding you back?
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Interested in financing a second home?
Whether it's a fixed-rate loan for 10-, 15-, 20-, or 30-year terms: ARMs; construction loans; 100% purchase loans, we now have a mortgage option to fit your budget and lifestyle. No subprime here!
Call our mortgage specialists for current rates and programs: 608-244-3518
"Right on the Money" HOME EQUITY LINE OF CREDIT

Take advantage of the equity in your home. Get cash out for home improvements. Easy application, fast approval, low rates. Read the featured rate assumptions below. Call today: 608-244-3518
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MINIMUM AMOUNT
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TERM
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LOAN TO VALUE
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VARIABLE PRIME RATE
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$5,000
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10 years
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80%
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Prime Rate minus 1%
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$5,000
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10 years
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90%
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Prime
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$5,000
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10 years
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100%
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Prime + 1%
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“Right on the Money” (HELOC) Home Equity Line of Credit Loan Disclosures:
APR is Annual Percentage Rate.
APR is a variable rate and subject to change quarterly but cannot exceed 18%.
The rate charged is based on the Prime rate published in the Wall Street Journal plus a margin if applicable. Higher margins will apply to higher Loan to Value (LTV) loans.
Example: Monthly payments would be $6.25, based on $1,000.00 borrowed at 80% LTV and a Prime rate of 7.50%.
Open end 10 year draw; 15 year repayment.
Appraisal costs range from $100-$500, depending on the loan amount and if required.
No annual fees. No origination fees.
Closing fees include title insurance, recording fees and processing fees approximately $60-$70 may be incurred.
Borrow from 80% up to 100% on the Fair Market Value of your home, depending on the equity available, less any liens.
Minimum credit limit is $10.000. Maximum credit limit is $200,000. Minimum withdrawal limit is $500.
Possible tax saving advantages for you. Consult your tax advisor.
SECOND MORTGAGES

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MINIMUM AMOUNT
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TERM
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APR AS LOW AS*
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MONTHLY PAYMENT**
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$5,000
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72 month fixed
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6.00%
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16.57
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$5,000
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10 year fixed
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6.25%
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11.23
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$5,000
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15 year fixed
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6.75%
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8.85
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Featured Rate Assumptions:
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POCU reserves the right to change, add, or delete services, fees and rates stated at any time.
*APR is Annual Percentage Rate
**Monthly Payment based on payment per $1,000 for rate and term. Rates are based on applicant's credit history.
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