Princeton University Federal Credit Union - A Tradition of Financial Excellence - Rates & Fees

Loan Rates

Rates subject to change without prior notice.
Call for up to the minute details.
Effective 07/01/2008
APR=Annual Percentage Rate.

Available Credit	Rates	Limit
Home Equity Loan Variable Rate - 10 year draw/15 year repay-Life of Loan 25 years.
Up to 80% Loan To Value	Prime* - .50%	$500 minimum advance
80.01% to 85% Loan To Value	Prime* + .25%	$500 minimum advance
*Prime rate effective May 1, 2008 is 5.00% APR Important Disclosure Information

Available Credit	60 months	120 months	180 months	240 months
Home Equity Loan Fixed Rate
Up to 80% Loan To Value	5.99% APR	5.99% APR	6.49% APR	6.74% APR
80.01% to 85% Loan To Value	7.24% APR	7.24% APR	7.74% APR	7.99% APR
Recorded Mortgage on the property used as collateral for Home Equity Loans The monthly payment per $1,000 at 5.99% for 60 months would be $19.33.

Term	Rate	Limit
Personal Loan/Line of Credit
	12.00% APR	$12,000
On a Personal Loan the monthly payment per $1,000 at 12% for 60 months would be $22.25.

New Auto Loan - 100% Financing Available
36 months	5.99% APR	100% of price
48 months	5.99% APR	100% of price
60 months	5.99% APR	100% of price
72 months	6.24% APR	100% of price
84 months	6.49% APR	100% of price
Deduct .50% APR for 80% financing.
Lien must be recorded on Title and full insurance coverage required. Title will be held in Credit Union office until loan is paid in full. The monthly payment per $1,000 at 5.99% for 60 months would be $19.33.

Used Auto Loan - Up to 100% of the NADA retail value
84 months maximum term	6.74% APR	2006 model or newer
72 months maximum term	6.49% APR	2006 model or newer
60 months maximum term	5.99% APR	2006 model or newer
48 months maximum term	5.99% APR	2006 model or newer
36 months maximum term	5.99% APR	2006 model or newer
60 months maximum term	6.74% APR	2005 model
48 months maximum term	6.99% APR	2003-2004 model
36 months maximum term	7.24% APR	2001-2002 model
Lien must be recorded on Title and full insurance coverage required. Title will be held in Credit Union office until loan is paid in full. Amount determined from NADA dealers Guide Retail Value. The monthly payment per $1,000 at 5.99% for 60 months would be $19.33.

Pledged Shares
1-36 months	current share rate +2%
37-60 months	current share rate +3%

Pledged Certificate
1-48 months	rate of certificate +2%
Total amount of loan must be secured by shares in account.